How Do State Health Insurance Exchanges Work? 
State Health Insurance Exchanges offer affordable healthcare to consumers . During Open Enrollment , you can apply for many types of coverage without answering medical questions . Your acceptance is virtually guaranteed and a federal subsidy could potentially pay all of your premium . Yes , the process is confusing which is why an experienced broker -LRB- at least 25 years in the business -RRB- will be a great help . I hope this helps . My answer is original and does not appear on any other website . Live answer provided by : Ed Harris - Premier health insurance broker for 33 years and owner of several of the nation 's top-rated websites that offer the lowest rates . 