|By Patrick McCreless, The Anniston Star, Ala.|
|McClatchy-Tribune Information Services|
The Affordable Care Act requires states to either create their own health insurance exchanges or accept one created by the federal government. States must have plans in place for the exchanges by early 2013 and have them operational by 2014, according to federal deadlines.
"The state must enact a state-based exchange," Rep.
However, some state lawmakers have objected to certain provisions in the bill, such as the requirement that carriers must offer plans in every county of the state. Legislators are worried the provision could give a monopoly to
"This legislation is premature," Ardis said. "The federal government has yet to establish clear guidelines for a health insurance exchange."
Ardis added that the
However, a current provision in the bill states that if the
Exchange helps those in middle
For some health care industry experts, a health insurance exchange would mean lower health care costs and proper medical coverage for many uninsured Alabamians. Still others suspect such an exchange would simply shift health care costs elsewhere and not do much good.
According to statistics to from the
The state's health insurance exchange is designed to help those uninsured who make too much money to qualify for
"If a person's income is at the federal poverty level or very close to it, they'll be given the option of at least two years of federal subsidies and probably after that as well to help purchase a plan," Ellington said. "The intention of the financial assistance is to help bring people in who might not be able to afford insurance now."