This week's question comes from one of our newest experts, Cindy Gillespie. Gillespie served as an adviser to former Massachusetts Gov. Mitt Romney during the state's health reform efforts, and now leads the health care policy team at McKenna Long & Aldridge.
"In addition to the individual and small business exchanges mandated under PPACA, private exchanges are emerging as potential vehicles for innovation in the way employers offer coverage to their workforce.
For example, WellPoint recently announced the acquisition of Bloom Health, through which 20,000 employees at 50 companies purchase coverage using pre-tax dollars and a defined contribution from their employers.
What impact do you think that exchanges, public and private, will have on the employer-sponsored insurance marketplace?"
-- Cindy Gillespie
And to add an additional question of my own: How will private exchanges affect state and federal exchanges set to be up and running in 2014?