In the new world of "Obamacare," a.k.a. the Patient Protection and Affordable Care Act, the birth of the insurance exchange is propelling us all the way back to the future.

Rewind the tape and go back to 1978 when cafeteria plans were born, then fast forward the tape to 2013 and apply state-of-the-art technology. What do you have? An electronic cafeteria plan we now call an insurance exchange or marketplace, if we want to be politically correct.

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