Many individuals still wonder how healthcare reform will affect them personally. If the legislation remains, Health Benefit Exchanges (called HBEs or Exchanges) will be organizations with the most direct contact with many middle- and low-income consumers, as well as small business owners. Under the current Affordable Care Act (ACA), otherwise known as “Obamacare,” exchanges are required to be fully operational in every state by Jan. 1, 2014, when the individual mandate takes effect. The … [Read more...] about Gov. Deciding Key Component of Obamacare