The U.S. Department of Health and Human Services (“HHS”) released a final rule concerning Health Insurance Exchanges (“HIE”) on March 12, 2012.  The final rule will be published in the Federal Register on March 27, 2012.  In late March, 2012, the U.S. Supreme Court will hear arguments concerning the constitutionality of the Patient Protection and Affordability Care Act (“PPACA”), which
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