The Affordable Insurance Exchanges were created by the Patient Protection and Affordable Care Act (PPACA) that was passed into law by congress and signed in March 2010 (healthcareinsurance, n.d). The main purpose of the exchanges is to provide information to citizens on healthcare providers who meet the qualifications set by the authorities to offer health services in the areas they reside. They also monitor the health care providers to ensure they continuously offer the services listed. This is through periodic checks to ensure the standards and services listed are being offered and any additional services can be listed. This is in accordance with the Federal government’s resolve to offer state regulated, standardized and affordable health care to individuals and small businesses that employ up to 100 people. Majority of those who are uninsured do not know where to get these services competitively and the opening of these exchanges will ensure the citizens get to know all the services that are available in the market and be able to make informed choices. As Brown (2011) says the creation of this market place for health care insurance will promote competition among the providers and this will ensure the people get services at very competitive prices and this will ensure affordability

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