A new report released about the coming "Health Insurance Exchanges" says the first thing everyone in Montana needs to know is --think of them as marketplaces, not exchanges. The Center for Rural Affairs Study examined who is expected to benefit the most from the marketplaces, which are part of federal health care reform. Report Author Jon Bailey explains how the exchange will work.

Bailey says many rural Montanans, and lower-income folks, do not have reliable internet access and one option to get around that is to tap into federal grant programs, and appoint local navigators, to walk people through the process. 

 Bailey says the marketplaces are expected to be web-based, and will provide apples-to-apples comparisons of available policies and prices.