July 13, 2009 2:03 PM

Health insurance exchanges offer consumers new options

When Michael Kovner decided to buy health insurance earlier this year, he logged on to his computer, entered his age and ZIP code on a special Web site and studied the nearly 20 different policies that popped up. Within a half-hour, Kovner, a 53-year-old technology consultant, picked a midpriced one and clicked "enroll." Back came an immediate e-mail confirmation: "Congrats, you're in."

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