Who uses health insurance exchanges?

• A. People with employer-sponsored insurance
• B. People with government-provided plans
• C. People without employer-sponsored insurance
• D. Insurers only

Answer: (C)

Health insurance exchanges are marketplaces designed for people who don’t have coverage through their job. They let individuals compare plans, see available subsidies, and enroll in insurance on their own. If you already have employer-sponsored insurance, you typically already have coverage through your employer and wouldn’t usually need to use the exchange. Government-provided plans (like Medicare or Medicaid) aren’t bought on these exchanges, and insurers are the sellers offering plans on the platform, not the buyers. So the main users are people without employer-sponsored insurance, with exchanges sometimes also supporting small employers choosing coverage for employees.