An Exchange will typically make a wide variety of health and supplemental insurance products available (e.g., life, vision, disability, or dental coverage), ranging from high-cost sharing plans to low- or no-cost sharing plans. By offering many options, the Exchange provides choice, a key factor in reducing health care spending. The Private Exchange will generally also provide help to the user in making the right decision about the coverage they need, as well as end-to-end transactional services (e.g., they collect the enrollment information electronically and transmit it to the insurance carrier directly). A Private Exchange will also offer you – the employer – benefits administration services. Together, all these features make a Private Exchange a beneficial option for many businesses.