How Does Health Insurance Exchange Work? 
Health Insurance Exchanges . How do they work ? I 'll provide a brief accurate and direct answer . The Affordable Care Act -LRB- Obamacare -RRB- created `` Marketplaces '' so consumers can purchase health insurance without answering medical questions . Pre-existing conditions are covered and a federal subsidy may be available , depending on your income . How do you get the best rates and enroll ? Through an experienced broker . This question was answered live by : Ed Harris - Health Insurance Broker for the last 33 years and owner of several top-rated websites . 