A recent survey by CVS Caremark found that 78% of consumers who qualify for healthcare reform subsidies have never heard of state-based healthcare insurance exchanges where they will have to shop for coverage next year [1]. Although the exchanges are being promoted as transparent and user friendly, 60% of respondents said they believe they will need help to understand health insurance terms and navigate the system.
![Health insurance exchange](https://www.highlighthealth.com/wp-content/uploads/2013/07/health-insurance-exchange.jpg)