Government and industry experts say recent guidance from the federal government will hasten development of state insurance exchanges, mandated under the Accountable Care Act to give consumers and small employers a one-stop shopping site to compare and purchase health care coverage. The exchanges, in turn, will affect employers' long-range benefit sponsorship decisions.

In July, the Bipartisan Policy Center and Kaiser Family Foundation sponsored a program in Washington, D.C., to explore the 230-page state insurance exchange guidance from the Department of Human Services.

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