States are looking at different models for their Health Insurance Exchanges, or HIXs. Given that each state will adopt its own approach to HIX implementation, we potentially could end up with 50 different models. Some states may join together to provide a regional HIX, but it is still likely there will be many different implementations.

The question is: How will carrier services be incorporated into the various HIX models? For many years, carriers have provided most, if not all, of the services that will be encompassed in a HIX. Access to provider networks, claims processing and online enrollment, as well as health management tools and member services, are all available from carriers.

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