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With private health insurance exchanges already in motion and public exchanges just five months away from enrolling plan participants for 2014, HR and benefit professionals can sure use a crash course on the HIX concept if they’re not already familiar with the details.


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The employer mandate will be in effect for many employers in a matter of weeks. And one thing is certain; the most detrimental compliance strategy is to deny the need to comply. Here’s how advisers can help their clients avoid some of the more common ACA compliance mistakes.

Employers are becoming more familiar with the players in the private exchange marketplace but still feel they lack sufficient information about fees and how the exchanges are paid.

Despite pressure from clients to provide an immediate solution for rising health care costs, brokers need to proceed slowly and cautiously when discussing solutions such as private exchanges.

As the HIX market expands, longer patient wait times are expected from an already-strained primary care system that must accommodate millions of newly insured Americans.

Employers considering private health care exchanges should leave themselves plenty of time to make the switch, say two employers who’ve made the move in recent years.

There has been debate about whether Michigan technically qualifies as a battleground state in political elections, but what’s clear is that it provides insight into the HIX market impact on small employers in terms of both health plan costs and selection.

When evaluating the merits of a private exchange, one industry insider suggests pursuing an overall financial strategy built around achieving “true savings” rather than simply shifting costs onto employees – a warning that has been sounded for years in the traditional marketplace.

Whether plan sponsors like it or not, employees’ expectations of the health insurance purchasing process are being shaped by influences outside of their control.

About HIX

HIX is an information resource and marketplace of ideas for the next generation of benefits delivery professionals.
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Tracking Insurer Filings for 2015 ACA Exchange Premiums

A graphic tool from PwC’s Health Research Institute blends a map with data analysis to offer a preliminary look at 2015 individual market rate filings.


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