Rules give shape to health insurance exchanges

The final shape for a key part of the health law — the state-based marketplaces where people will shop for insurance coverage — became clearer Monday in rules issued by the Obama administration.

Under the long-awaited rules, states will have broad flexibility to design their insurance marketplaces, which are set to begin operation in 2014. Some states are working to set up their marketplaces, called exchanges, while others have declined to move forward until the the Supreme Court makes its decision on the constitutionality of the federal health law.

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