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The states may be fighting to do away with the Exchanges, but experts believe that if they are successful, the Federal Government may form the Exchange, which effectively means that America will have a regulated insurance market place in any case.

The Affordable Care Act mentions that if a state refuses to form a health insurance Exchange, then the federal government would step in and create an insurance platform for the residents of the state. If all the states refuse to have an individual Exchange, then the federal government will have to build a single Exchange for the entire country.

Harold Mitchell, a Democratic state Rep from South Carolina believes that states should opt for their own Exchange rather than getting forced into a one size fits all federal effort.


He explained, “Groups who are opposing the healthcare laws miss out the fact that the state will have a health insurance exchange by 2014, whether it’s created by South Carolina or the federal government. The state should use its chance this year to tailor an exchange that better matches the state’s need.”

Health and Human Services Tony Keck said that the issue of repealing the law is still outstanding but states can still have access to federal funds by following the guidelines and deadlines. He has his reservations about the funds though. “The health insurance exchange study committee should move ahead in gathering public input and looking at how other states are dealing with the health exchange requirement instead of sending the $1 million in federal money back as some other states with Republican chief executives have opted to do.”

The law is being debated upon and unless the Act is repealed, states will have to come to terms with a regulated insurance market place.

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