BOISE -- Now that Governor Otter has signed the bill creating a state-run health insurance exchange, the discussion begins as to exactly how that exchange and the federal health care law will affect you.

This morning, the Boise Chamber of Commerce hosted several presentations on the topic from experts in the insurance and medical fields.

Speakers explained what Idaho's exchange will look like for both individuals and business owners.

They discussed how the insurance options will be available online, and how insurance costs will be adjusted.

Experts also talked about penalties for both individuals who are not insured and businesses who do not offer adequate coverage.

For individuals and for small businesses, the exchange is going to be an online marketplace tool that will help them compare and purchase plans on apples-to-apples comparison, and it will help folks at lower incomes get a discount on their coverage, said Corey Surber from the Saint Alphonsus Health System.

Enrollment for the health insurance exchange will begin this fall.

Benefits will start on January 1, 2014.

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