Some advocates will certainly argue that we can't wait and that Maryland consumers need a health insurance exchange now. However, the exchange is unlikely to do much, if anything, to help health insurance consumers. One has only to consider the experience of Massachusetts. Under then-Gov. Mitt Romney, the state passed a health care overhaul in 2006 with a health insurance exchange (called the Connector) as its centerpiece. This law was touted as a way to increase health insurance coverage and decrease health insurance prices. While the Connector has helped increase health insurance coverage in Massachusetts, it has also increased the cost of health insurance premiums.