Health Insurance Marketplaces (HIMs)

Authorized in the Affordable Care Act, starting in 2014, individuals and employees of small businesses will have access to affordable coverage through a new competitive private health insurance market - the Health Insurance Marketplace. The state-based Marketplace will provide individuals and small businesses with a "one-stop shop" to find and compare affordable, quality private health insurance options.

Planning

In 2010, 49 states and the District of Columbia received Exchange Planning grants from CMS totaling more than $54 million.

Six States and a multi-state consortium led by the University of Massachusetts Medical School received over $241 million in Early Innovator grants from CMS to develop model Marketplace information technology (IT) systems. Early Innovator States have committed to ensuring that the technology they develop is reusable and transferable to other States. Using the grants, they will develop the building blocks for Marketplace IT systems, providing models for how the IT systems can be created.

Approval

In December 2012, HHS announced the first round of conditional approvals by HHS.  A March 2013 round of conditional approvals brings the number of states to 24.  Gary Cohen, deputy administrator of CMS, and director of the Center for Consumer Information and Insurance Oversight (CCIIO) within CMS announced in December 2012 that HHS has begun test their Federal Data Service Hub, which exchanges will access data from the Social Security Administration, the Internal Revenue Service, and the Department of Homeland Security for beneficiary information on income, citizenship, immigration status, as well as minimum coverage offerings.

Beginnings

Open enrollment begins October 2013.

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