What Do Health Insurance Exchanges Do? 
Health Insurance Exchanges provide affordable healthcare to individuals , families and small businesses by providing the opportunity to qualify for a federal subsidy that can potentially pay all of the premium . Pre-existing conditions are covered and applicants can not be turned down because of medical issues . So how do you find out if you qualify and how much you pay ? Our job , as licensed and registered brokers , is to help consumers compare the best options and easily enroll for coverage that meets their needs . Off-Exchange options are available for persons that do n't qualify for a subsidy . 