2017 HEALTH INSURANCE EXCHANGES

| January 31, 2017

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An individual, feature-by-feature review of the 13 exchange websites can be found in Appendix III of this report. Our core finding for the 2017 open enrollment period is that some exchanges are delivering a high-quality online comparison-shopping experience that allows consumers to evaluate key health plan details, such as provider networks and drug formularies. Improvements made by several exchanges, compared to 2016, have widened the quality gap between the best and worst performers. While HealthCare.gov has moved near the top of the class, most state-based exchanges still do not offer the three decision-support tools considered the gold standard of informed consumer choice an out-of-pocket cost calculator, integrated provider directory, and integrated drug directory.

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Arya Insurance Brokerage Company

Arya Insurance Brokerage Company (AIBC) is an ISO 9001 Certified Company by TUV Germany which operates as an insurance brokerage and risk management company in the Middle East since 1988. Its objective is to safeguard the insurance interests of our commercial and industrial clientele. The Company is actively involved in major landmark projects in the UAE, thus strongly contributing to the Country's economy.

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