🎉🎉🎉 WOOT! #MICHIGAN state Senate passes bill to establish state-based #ACA exchange in time for 2028 Open Enrollment Period!
(it still has to make it through the state House, however)

Michigan: State-based exchange passes MI Senate (again), makes it one step closer to becoming reality
Long-time readers know that I've long been an advocate of more states breaking off of the federal ACA exchange (HealthCare.Gov) and establishing their own versions instead. While there are certainly benefits to utilizing the federal exchange (standardized interface, user experience, branding & marketing), there are also numerous benefits to states operating their own platforms. In the early days of the ACA, in addition to the infamous technical meltdown of HealthCare.Gov, many of the state-based exchanges (SBEs) of the time included horror stories in which the 1.0 versions of SBEs either failed miserably, cost an insane amount and/or both. The most famous examples include... Massachusetts: Ironically, the state which had been operating their own health insurance exchange portal and whose healthcare reform law was largely the blueprint for the Affordable Care Act had a nightmare experience overhauling that same website for the new federal regulatory framework. This was laid out in explicit detail by a guy named Ed Lyons, who wrote the definitive MA "Health Connector Autopsy" back in 2014.




