Which statement about private health insurance exchanges is incorrect?

The statement indicating that most private exchanges render telephone hotlines redundant is incorrect because telephone hotlines often remain a crucial resource for employees navigating the complexities of benefit options. While private health insurance exchanges may provide an array of online tools and resources to assist employees, the nuances of individual situations can require personalized assistance. Hotlines serve as a valuable complement to digital resources, offering direct interaction with knowledgeable representatives who can address specific inquiries, explain benefits in depth, and assist in making more informed decisions. Therefore, the presence of effective telephone support is essential, as it accommodates employees who may prefer human interaction over online resources or who may have questions that are not easily answered through the available software or website tools.