Understanding the health insurance market Commercial health insurance, also known as health insurance exchanges is a platform designed to make it easier for individuals and families to purchase health insurance. Established under the U.S. Affordable Care Act (ACA) these exchanges help consumers compare different insurance plans understand their coverage options and ultimately become more informed about their health care. We aim to provide a centralized space where you can make informed decisions Structure and function. Commercial health insurance is an online business that can be accessed through its website.