State Health Insurance Exchange Update - February 2013
Starting in 2014, health insurance coverage for individuals and small businesses will become available through new state health insurance exchanges. Most importantly, the key tax credits (e.g. individual health insurance tax subsidies) will only be available for coverage purchased via these exchanges.
February 15, 2013 Deadline
States were required to decide by February 15, 2013 whether they would:
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Create their own health insurance exchanges,
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Partner with the federal government, or
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Default to a federal-run exchange.
Below is a summary of progress for health insurance exchange implementation as of February 15, 2013:
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18 Have Declared a State-based Exchange
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7 Have Planned for a Partnership Exchange
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26 Have Defaulted to a Federal Exchange
State by State Exchange Update 2013
| State |
Exchange Decision |
| Alabama |
Default to Federal Exchange |
| Alaska |
Default to Federal Exchange |
| Arizona |
Default to Federal Exchange |
| Arkansas |
Planning for Partnership Exchange |
| California |
Declared State-based Exchange |
| Colorado |
Declared State-based Exchange |
| Connecticut |
Declared State-based Exchange |
| Delaware |
Planning for Partnership Exchange |
| District of Columbia |
Declared State-based Exchange |
| Florida |
Default to Federal Exchange |
| Georgia |
Default to Federal Exchange |
| Hawaii |
Declared State-based Exchange |
| Idaho |
Declared State-based Exchange |
| Illinois |
Planning for Partnership Exchange |
| Indiana |
Default to Federal Exchange |
| Iowa |
Planning for Partnership Exchange |
| Kansas |
Default to Federal Exchange |
| Kentucky |
Declared State-based Exchange |
| Louisiana |
Default to Federal Exchange |
| Maine |
Default to Federal Exchange |
| Maryland |
Declared State-based Exchange |
| Massachusetts |
Declared State-based Exchange |
| Michigan |
Planning for Partnership Exchange |
| Minnesota |
Declared State-based Exchange |
| Mississippi |
Default to Federal Exchange |
| Missouri |
Default to Federal Exchange |
| Montana |
Default to Federal Exchange |
| Nebraska |
Default to Federal Exchange |
| Nevada |
Declared State-based Exchange |
| New Hampshire |
Planning for Partnership Exchange |
| New Jersey |
Default to Federal Exchange |
| New Mexico |
Declared State-based Exchange |
| New York |
Declared State-based Exchange |
| North Carolina |
Default to Federal Exchange |
| North Dakota |
Default to Federal Exchange |
| Ohio |
Default to Federal Exchange |
| Oklahoma |
Default to Federal Exchange |
| Oregon |
Declared State-based Exchange |
| Pennsylvania |
Default to Federal Exchange |
| Rhode Island |
Declared State-based Exchange |
| South Carolina |
Default to Federal Exchange |
| South Dakota |
Default to Federal Exchange |
| Tennessee |
Default to Federal Exchange |
| Texas |
Default to Federal Exchange |
| Utah |
Declared State-based Exchange |
| Vermont |
Declared State-based Exchange |
| Virginia |
Default to Federal Exchange |
| Washington |
Declared State-based Exchange |
| West Virginia |
Planning for Partnership Exchange |
| Wisconsin |
Default to Federal Exchange |
| Wyoming |
Default to Federal Exchange |
Source: Kff.org, Data as of February 15, 2013
Special Update for Utah
On February 6, 2013, Governor Gary Herbert offered a proposal to federal officials that would allow the state to run the small business, or SHOP, portion of the exchange while the federal government would establish and operate an exchange for individuals. The state is awaiting HHS' response to the proposal.
Note: This should not be taken as legal or tax advice.
