"If you have health, you probably will be happy, and if you have health and happiness, you have all the wealth you need, even if it is not all you want."
~Elbert Hubbard
American writer, publisher, artist, and philosopher

Why we need a Smart Exchange

Health Insurance ExchangeWe are in a crisis.

The solution starts with a ‘smart’ Health Insurance Exchange.

Runaway health care costs are making an already expensive system impossible to afford — not just for people who don’t currently have  insurance, but for everyone in California.

Rapidly rising health care costs are crippling state and local governments, siphoning revenues away from other important services. Financially strapped employers are forced to cut back on benefits and shift more of their health care costs onto their employees or eliminate health benefits altogether.

Millions of Californians are not receiving the preventive care they need.  And when they get sick, they are postponing their care until they get  sicker, and their conditions are more expensive to treat.

The way costs are growing, subsidies won’t be enough to keep care  affordable for those who need help.

Not unless we rein in the runaway costs of health care.

The solution

The solution starts with a ‘smart’ state Exchange that harnesses the power of robust competition among insurance plans to reduce cost growth, drive continuous quality improvement and improve access to care for all Californians.

A ‘smart’ Exchange will focus market competition where it belongs: on innovation to deliver higher quality care at more affordable cost. It will provide consumers more and better options, and it will give them the cost and quality comparisons they will need to make informed choices.

Californians need a ‘smart’ Health Insurance Exchange. We need a market designed to encourage delivery of continuously better, more affordable care. We can’t afford to fail.