When a judge last month declared ObamaCare unconstitutional, many people in Georgia and the other states suing to overturn the law wondered if they had been freed from its onerous taxes and regulations.
Georgia could stand pat, gambling that the ruling will hold up on appeal. A more prudent tack is to copy a reform model that predates the federal law — and might satisfy it.
Utah created a health-insurance exchange in March 2009, around the time President Barack Obama began his health-reform push. A pilot version was in place later that year, and last fall the exchange went statewide. More companies in Utah offer health insurance to workers now. And they didn’t get subsidies to do it.
Utah’s exchange gives consumers information about plans and helps them enroll in one. Crucially, it allows them to pool health dollars, whether from their employer(s) or their own money, as never before.
“It’s the easiest idea in the world,” says Cheryl Smith, who helped launch Utah’s