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Private Exchanges: Consumer-Driven Health Care's Next Act


Proponents of consumer-driven health care have long advocated for Health Care Reimbursement Arrangements, where employers provide a sum of money to their employees to purchase coverage in the individual health insurance market without any further employer oversight or involvement. Beginning in 2014, this approach to consumer-driven health care will run afoul of the ban on annual limits imposed by the Patient Protection and Affordable Care Act. However, in 2014, the health care reform act’s employer-shared responsibility rules come into play, and by wrapping the employer contribution, if any, into a group market insurance product, private exchanges seek to address these and other issues.

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M. Daria Niewenhous is a Mintz Member with a well-established health care practice. National and local providers rely on Daria’s experience to navigate capital projects, mergers & acquisitions, integration, and other strategic initiatives; adverse events; and licensing, contracting, patient care/risk management, and other complex legal matters.