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Health insurance exchanges will lack some key features designed to protect consumers

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WASHINGTON — When millions of Americans around the country sign up for insurance under President Obama’s sweeping health care law in October, the system they encounter will lack some of the key protections and cost controls that Massachusetts consumers receive.

Massachusetts, the first state in the nation to implement near-universal health coverage, served as the model for major aspects of the groundbreaking health care overhaul law. But the Obama administration has decided, at least in the law’s first year, not to adopt some important features of the Massachusetts plan that advocates say have helped consumers more easily make cost-effective choices.

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