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Health Insurance Exchanges: A Panacea Or A Band-Aid?, Luisa Sanchez De Tagle
Health Insurance Exchanges: A Panacea Or A Band-Aid?, Luisa Sanchez De Tagle
Electronic Theses and Dissertations
In 2010, the 111th Congress passed the first national health care reform in the United States, the Patient Protection and Affordable Care Act (ACA). This landmark legislation is intended to "fix" a health care system renowned for decreasing access and escalating costs. This paper examines one of the principal reforms in the ACA, the state health insurance exchanges. The author finds theoretical and empirical evidence to support the exchanges' potential (in conjunction with other relevant ACA reforms) to increase access, decrease insurers' excess profits and shift health care costs away from those least able to afford them. The exchanges fall …