Issue Brief: Merging New York’s Individual and Small Group Markets

Posted January 13, 2013 by arianne

The Affordable Care Act (ACA) requires states to establish a Health Benefit Exchange by 2014, or default to a federal one. However, states have considerable discretion when it comes to several key policy decisions. One option is to merge its small group and individual insurance markets. There are strong reasons for New York to merge its markets both inside and outside the Exchange.