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Small Business Employee Benefits and HR Blog

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:

  1. Create their own health insurance exchanges, 

  2. Partner with the federal government, or 

  3. Default to a federal-run exchange. 

Below is a summary of progress for health insurance exchange implementation as of February 15, 2013:

  • 18 Have Declared a State-based Exchange

  • 7 Have Planned for a Partnership Exchange

  • 26 Have Defaulted to a Federal Exchange

State by State Exchange Update 2013

State by State Guide to Health Insurance Exchanges 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.

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