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Pennie is the official health insurance marketplace in the U.S. state of Pennsylvania established under the federal Patient Protection and Affordable Care Act (ACA). The exchange enables eligible individuals to purchase private health insurance coverage at federally subsidized rates.
While SHOP was available for 2014, this is the first year that small employers in 14 states can apply online. Before 2015 employers who provided health insurance to their employees typically worked with an insurance broker and one health insurance company. In 2015, they however can offer their employees a choice of insurance companies.
Health insurance exchanges in the United States expand insurance coverage while allowing insurers to compete in cost-efficient ways and help them to comply with consumer protection laws. Exchanges are not themselves insurers, so they do not bear risk themselves, but they do determine which insurance companies participate in the exchange.
The Employee Health Care Protection Act of 2013 is a bill that would permit a health insurance issuer that has in effect health insurance coverage in the group market on any date during 2013 to continue offering such coverage for sale during 2014 outside of a health care exchange established under the Patient Protection and Affordable Care Act.
Employers pay for half of their employees' health insurance contributions, while self-employed workers pay the entire contribution themselves. [83] Approximately 90% of the population is covered by a statutory health insurance plan, which provides a standardized level of coverage through any one of approximately 100 public sickness funds.
Patients already have the right to choose where they would like their treatment, including in the private sector, but are not always told that. Details of NHS and independent providers will be ...
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bestopchoices.com has been visited by 1M+ users in the past month