Question: We currently have Anthem PPO(POS) through my workplace. My spouse is 50 and has a chronic illness. So far she is doing okay, but our fear is that when I retire next year, and we shop from the exchange, the potential treatment she may need won’t match up with what I currently have with Anthem. That it won’t be as covered and our options limited for treatment. Are these fears unfounded? Will health insurance via the exchange be as inclusive and extensive as Anthem PPO? Will the latest treatments be available?

Answer: Yes. I would say your fears are unfounded. The quality of health care coverage in 2014 and beyond will actually be better - more comprehensive and fewer restrictions - than it is now as a result of health insurance reforms imposed by the Affordable Care Act.. You can still purchase an Anthem PPO (coinsurance) plan if you so choose, either in the Covered California marketplace or outside of it.