The Patient Protection and Affordable Care Act opened up thepossibility of buying health insurance to millions of Americanswho, for whatever reason, were uninsured before—to the tune of 8million enrollees in PPACA health exchange plans as of earlyMay.

However, some of those 8 million new policy owners were no doubtenrolled previously in a different plan, whether employer-based orindividually bought.

Many of the largest health insurance carriers began offeringplans on the state and federal health exchanges, but not all ofthem chose to provide an exchange option. And there's a lot ofuncertainty surrounding the effects of the PPACA exchanges onhealth insurance carriers that have traditionally offeredstand-alone individual or family insurance plans. Are individualsand families still purchasing these plans directly from the healthinsurance carriers? What's happening to the plan rates? And willhealth insurance carriers continue to offer individual or familyplans?

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