The new public exchange program seems to be doing a great job of promoting the health insurance marketplace concept — for the benefit of private exchanges.

Josh Hilgers, president of Health Partners America, a health insurance sales support firm, said he gives the public exchanges a 75 percent to 90 percent chance of surviving into 2015, but private exchanges a 90 percent chance of dominating the market by 2020.

The government is good at setting rules and offering subsidies, but private companies are better at working with consumers, Hilgers said.

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Allison Bell

Allison Bell, ThinkAdvisor's insurance editor, previously was LifeHealthPro's health insurance editor. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached at [email protected] or on Twitter at @Think_Allison.