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April 3--  If the U.S. Supreme Court throws out the entire Affordable Care Act when it rules on Obamacare, what's the alternative to consumers whose health insurance rates are raised year after year by insurance companies?

Georgia Insurance Commissioner Ralph Hudgens thinks a state insurance exchange will help keep prices down.

{mosimage}"There are some free market solutions.  I would love to seen an exchange established in the state of Georgia.  An exchange creates a marketplace for health insurance and it tells you what policies are out there which meet your particular needs.  If your a male you don't need maternity coverage or breast reconstruction or if your a female you don't need prostate surgery.  This would help control the cost because paying for something you don't need is a waste of money," Hudgens says.

One thing that hasn't worked in Georgia is opening the market to insurance companies from other states.  Obamacare opponents have argued that allowing insurance companies to operate across state lines would provide competition to hold down rates, however, Georgia passed such a law last year and has had no takers.

"We've written the regulations and had them all posted and we've had not a single insurance company apply for bringing a policy in the state of Georgia,"Hudgens notes.

Hudgens spoke to the Vidalia Kiwanis Club Tuesday and said his office is on the lookout for insurance and loan fraud.  He wants to hear from consumers and says last year more than 50,000 complaints were received by his call center.