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Small Business Employee Benefits and HR Blog

State by State Guide to Health Insurance Marketplaces: March 2013

This state by state guide to the new Health Insurance Marketplaces provides an overview of the Marketplaces and how each state will structure their Marketplace. To summarize, starting in 2014 health insurance coverage for individuals and small businesses will become available through new state health insurance marketplaces. Most importantly, the key tax credits (e.g. the small business healthcare tax credits) and tax subsidies (e.g. individual health insurance tax subsidies) will only be available for coverage purchased via a state health insurance exchanges ("marketplaces"). 

Health Insurance Marketplaces, Health Insurance Marketplace

As a quick recap, states have three options for setting up a state health insurance exchange for 2014:

  1. Build a State-Based Exchange, 

  2. Enter into a State-Federal Partnership Exchange, or

  3. Default to the Federally-Facilitated Exchange. 

The map to the right shows current state declarations, according to kff.org.

Health Insurance Marketplaces by State

Below is a guide to the individual health insurance Marketplaces (also called "Exchanges") by state, as of March 2013. The website for each state marketplace is provided, as currently available. And in the coming weeks, we'll provide a more detailed look at each state's health insurance Marketplace.

State

Marketplace Name

  

Marketplace Website

Alabama

Federal Government

 

   TBD*

Alaska

Federal Government

 

   TBD*

Arizona

Federal Government

 

   TBD*

Arkansas

Partnership Exchange

 

   http://www.hbe.arkansas.gov/  

California

Covered California

 

   http://www.coveredca.com/

Colorado

Colorado Health Benefits Exchange

 

   http://www.getcoveredco.org

Connecticut

Access Health CT

 

   http://www.ct.gov/hix/site/default.asp

Delaware

Partnership Exchange

 

   http://dhss.delaware.gov/dhss/dhcc/

District of Columbia

Health Benefits Exchange Authority

 

   http://hbx.dc.gov/

Florida

Federal Government

 

   TBD*

Georgia

Federal Government

 

   TBD*

Hawaii

Hawaii Health Connector

 

   http://www.hawaiihealthconnector.com/

Idaho

Idaho Health Insurance Exchange

 

   http://www.healthexchange.idaho.gov  

Illinois

Partnership Exchange

 

   http://www.insurance.illinois.gov/hiric/hie.asp

Indiana

Federal Government

  

   http://www.in.gov/aca/

Iowa

Partnership Exchange

 

  http://www.idph.state.ia.us/hcr_committees/health_benefit_exchange.asp

Kansas

Federal Government

 

   http://www.ksinsurance.org/hbexplan/

Kentucky

 

Kentucky Health Benefits Exchange

 

   http://healthbenefitexchange.ky.gov/Pages/home.aspx

Louisiana

Federal Government

 

   TBD*

Maine

Federal Government

 

   TBD*

Maryland

 

Maryland Health Connection

 

   www.marylandhealthconnection.gov

Massachusetts

Massachusetts Health Exchange

 

   https://www.mahealthconnector.org/

Michigan

Federal Exchange  (Updated 3/27/13, Partnership Exchange not approved)

 

   TBD*

Minnesota

Minnesota Health Insurance Exchange

 

   http://www.mn.gov/hix/

Mississippi

TBD (most likely Federal Government)

 

   TBD*

Missouri

Federal Government

 

   TBD*

Montana

Federal Government

 

   TBD*

Nebraska

Federal Government

 

   TBD*

Nevada

Silver State Health Insurance Exchange

 

   http://exchange.nv.gov/

New Hampshire

Partnership Exchange

 

   http://www.nh.gov/insurance/consumers/fedhealthref.htm

New Jersey

Federal Government

 

   TBD*

New Mexico

New Mexico Health Insurance Exchange

 

   http://www.nmhia.com/nmhix/

New York

 

New York Health Benefits Exchange

 

   http://HealthBenefitExchange.ny.gov  

North Carolina

Federal Government

 

   TBD*

North Dakota

Federal Government

 

   TBD*

Ohio

Federal Government

 

   TBD*

Oklahoma

Federal Government

 

   TBD*

Oregon

 

Cover Oregon

 

   http://www.coveroregon.com/

Pennsylvania

Federal Government

 

   TBD*

Rhode Island

Rhode Island Health Benefits Exchange

 

   http://www.healthcare.ri.gov/

South Carolina

Federal Government

 

  TBD*

South Dakota

Federal Government

 

  TBD*

Tennessee

Federal Government

 

  TBD*

Texas

Federal Government

 

  TBD*

Utah

Avenue H (SHOP) and Federal Government (Individual)

 

  http://www.avenueh.com/

Vermont

Vermont Health Connect

 

  http://healthconnect.vermont.gov/

Virginia

Federal Government

 

  TBD*

Washington

 

Washington Health Plan Exchange

 

  http://wahbexchange.org/

West Virginia

West Virginia Exchange

 

  http://healthbenefitexchangewv.com   

Wisconsin

Federal Government

 

  TBD*

Wyoming

Federal Government

 

  TBD*

Federal Health Insurance Marketplace information provided at http://www.healthcare.gov/marketplace. 

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