The Affordable Care Act's health insurance exchanges will have a big effect in some areas but not others when it comes to the rules for non-exchange plans, according to state insurance regulators studying the matter. Provider network standards for non-exchange plans likely won't be affected, but underwriting rules could be, for example. ACA provisions prohibiting plans from using marketing tactics to discourage "individuals with significant health needs" will apply only to qualified health plans and not non-exchange plans.

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