In 2014, the health insurance exchanges created under the Affordable Care Act will be available in every state as marketplaces for people without employer insurance, as well as small employers. All plans will include the same package of essential health benefits, but will vary by four different levels of "actuarial value," or the percentage of health costs that a plan pays for on average. A new Commonwealth Fund study looks at out-of-pocket costs that might result from plans with various plan designs and actuarial values.
