The way that companies and even individuals buy and obtain health insurance is changing rapidly, and when the full scope of the health care reform law takes effect in 2014, private health insurance exchanges will be one of the most commonly used methods of doing so. If you're a small to mid-sized business, there's a good chance that you'll be utilizing private health insurance exchanges as well. But understanding just what they are is important now so that you can plan properly for the future. Whether you'll be affected or not, learning what you can about private health insurance exchanges is still a good idea, and one that isn't that difficult to do. Take a few moments to review the basics behind these systems and you may be able to find a way to utilize them for yourself.