Filed Under:Health Insurance, Individual Health

David Smith: Exchange Pioneer

The North Carolina State Seal
The North Carolina State Seal

Las Vegas -- The “health insurance exchanges” in the Patient Protection and Affordable Care Act of 2010 (PPACA) are descended from individual and small group purchasing health insurance alliances that have been around for decades.

David Smith has been there.

If a carrier tries to set prices any other way, “it just doesn’t work,” Smith said.

In North Carolina, when carriers gave the alliance great rates, “they charged too little money for the amount of risk they took,” Smith said.

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Nichole Morford

Nichole Morford
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