Bypassing Would be Positive for U.S. Insurers

Allowing U.S. health insurers to build interfaces that bypass portions of the federal insurance website would be a positive for the industry, according to a report by Fitch Ratings. While the alternative websites are unlikely to be developed, the ability to bypass could improve the quality and timeliness of the data that insurers receive regarding new exchange-sourced policyholders.

The government website has been plagued by technical problems since its launch two months ago, making it challenging for health insurers to get accurate information about enrollees. The complexity of the website could contribute to misinformation and lead to lower profitability in health insurers’ exchange-sourced businesses.

With that said, Fitch says that its questionable that insurers would be interested in committing the resources to build their own sites or get  in the middle of the website controversy. In addition, the government would probably be very hesitant to allow the interfaces. They could be viewed as limiting the marketplace by reducing consumers’ ability to comparison shop.

Fitch Ratings says that geographically concentrated health insurance companies are likely to add the most enrollees from state-sponsored health insurance exchanges formed under the Affordable Care Act, particularly Blue Cross/Blue Shield plans. Fitch attributes this to the single-state focus of many of these insurers, typical large market shares in their respective states, and a common focus on providing consistent health insurance coverage. For more information, visit

Last Updated 08/10/2022

Arch Apple Financial Services | Individual & Family Health Plans, Affordable Care California, Group Medical Insurance, California Health Insurance Exchange Marketplace, Medicare Supplements, HMO & PPO Health Care Plans, Long Term Care & Disability Insurance, Life Insurance, Dental Insurance, Vision Insurance, Employee Benefits, Affordable Care Act Assistance, Health Benefits Exchange, Buy Health Insurance, Health Care Reform Plans, Insurance Agency, Westminster, Costa Mesa, Huntington Beach, Fountain Valley, Irvine, Santa Ana, Tustin, Aliso Viejo, Laguna Hills, Laguna Beach, Laguna Woods, Long Beach, Orange, Tustin Foothills, Seal Beach, Anaheim, Newport Beach, Yorba Linda, Placentia, Brea, La Habra, Orange County CA

12312 Pentagon Street - Garden Grove, CA 92841-3327 - Tel: 714.638.0853 - 800.731.2590
Copyright @ 2015 - Website Design and Search Engine Optimization by Blitz Mogul