Exchanges 3.0? How health insurance marketplaces are evolving

Consumers are buying health insurance in new ways these days, while still turning to in-person help for making a choice — even in the age of the online economy.

The end of January brought the end of open enrollment for the third year of the exchanges, a key part of the Affordable Care Act. It’s been a rocky trip for all involved, especially consumers, many of whom were digital-savvy purchasers of all kinds of goods and services before the ACA.

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