The Patient Protection and Affordable Care Act (ACA) requires that every state establish a health-insurance exchange by 2014. The exchange will serve as a marketplace in which individuals and small businesses can shop for coverage. The ACA’s controversial mandate provision requires every individual to purchase qualified insurance or face a financial penalty. Ideally, the range of plans available on the exchange—combined with subsidies that help in their purchase—would lead to the reform law’s goal of universal coverage as well as a slowing of long-term growth in overall health-care costs.
How should New York State respond to this mandate? The Manhattan Institute’s Center for Medical Progressanswers the question in this April 2011 report.
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