Hardly a day goes by without a client asking questions about how the creation of the Individual Exchanges might affect their personal or group health insurance situation. Most often the primary concern is whether they might be able to obtain health insurance coverage through the Exchange at a more affordable rate. The answer to that question is simply just not available yet, as the insurance carrier rates in the vast majority of states have not yet been released. However, there are some rules and regulations in place which provide a glimpse of the methodology that will be used to set these rates. To learn about some of the key provisions of the rate setting regulations click here.