How will buying through an exchange be different?

Individual consumers will be able to go online to make smart comparisons of various insurance policies. Simple click, pick a plan, and enroll.

Each state, and the District of Columbia, will have a health insurance exchange that will run like Expedia or in laymen’s terms — easier. States such as New York and California will run their own exchanges, with varying costs and companies.

Florida and Texas will be run by the federal government. For information on your state, log onto HealthCare.gov and follow the prompts.

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