One of the primary features of the Affordable Care Act is the establishment of state-based health insurance exchanges.

The National Association of Insurance Commissioners (NAIC) is urging the U.S. Office of Personnel Management (OPM) to avoid opening a loophole that would disadvantage smaller insurers. In a letter to OPM,  NAIC President and Iowa Commissioner of Insurance Susan Voss said that the Multi-State Plan program envisioned for the exchanges could provide some of the nation’s largest insurers with significant market advantages.

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