Health Insurance Exchanges will be soon be ubiquitous. We will quit speculating about them, and some Americans will begin using them. Did you realize that though the Department of Health and Human Services has responsibility for forming a 
basic framework – states that elect to create their own Exchange have a significant amount of latitude in the rules for setting up the Exchange.
In Great Expectations: An Analysis of Health Insurance Exchanges Under Health Reform, Bill Lindsay, President, Lockton Benefit Group, Denver, looks closely at what exactly an Exchange is, the rules surrounding Exchanges, advantages of Exchanges, and also, options states have when forming Exchanges.
This is an outstanding, informative piece on what will soon be the Health Insurance Exchange landscape across the United States.