Question: I read where the Small Business exchange was going to be delayed for a year. Is it true?
Answer: Not true in California. The HBEX board promises a fully functional SHOP exchange will be delivered on schedule. In the 33 states where the Federal government will facilitate the exchanges the employee choice model will not be available until 2015. In these states, the employer will have a choice of carriers as they do now, and the employee will choose a plan form the one carrier selected.This really removes the key selling point for the SHOP exchange, the ability for each employee to select the plan of the choice from one of many insurance carriers.