The extent to which insurers will participate in state health insurance exchanges mandated by the Affordable Care Act remains to be seen, experts say. States are allowed to vary in their exchange requirements for insurers, and the companies will also have to pay federally mandated fees and taxes, this article notes. "We will only participate in exchanges that we assess to be fair, commercially sustainable and provide a reasonable return on the capital they will require," says Stephen Hemsley, CEO of UnitedHealth Group, adding that the company expects to participate initially in 10 to 25 exchanges.

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