Insurance Exchange Marketplace: Implications for Emergency Medicine Practice

Insurance Exchange Marketplace: Implications for Emergency Medicine Practice

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The Patient Protection and Affordable Care Act of 2010 requires states to establish healthcareinsurance exchanges by 2014 to facilitate the purchase of qualified 9x11 pergola health plans.States are required toestablish exchanges for small businesses and individuals.A federally operated exchange will beestablished, and states failing to participate in any other exchanges will be mandated to join the federalexchange.Policymakers and health economists believe that exchanges will improve healthcare atlower cost by promoting competition among insurers and by reducing burdensome transaction costs.

Consumers will no longer be isolated from monthly insurance premium costs.Exchanges will increasethe number of patients insured elliot pecan tree for sale with more cost-conscious managed care and high-deductible plans.These insurance plan models have historically undervalued emergency medical services, while alsounderinsuring patients and limiting their healthcare system access to the emergency department.Thisparadoxically increases demand for emergency services while decreasing supply.

The continualdevaluation of emergency medical services by insurance payers will result in inadequate distribution ofresources to emergency care, resulting in further emergency department closures, increases inemergency department crowding, and the demise of acute care services provided to families andcommunities.