All of the health care reform bills Congress is currently working on include a health insurance exchange through which individuals can purchase health insurance. It’s one of the key aspects of the bill, as it’s essential to putting people who are unemployed or who work for businesses that don’t offer health insurance on the same footing with those who work for larger companies in terms of purchasing health insurance. Yale professor Jacob Hacker explains how the exchanges would work to the New York Times. One point I want to call out is that the city of San Francisco and the state of Massachusetts both run these types of exchanges already, so it’s not as though this stuff is untried.