One of the key features of the highly complicated Affordable Care Act is the subsidy that is given to lower income people to enable them to afford to purchase health insurance. These subsidies are provided through both the state exchanges for those states that set them up and through the federal exchanges in those states that decided that they wanted to have no part of the ACA or decided to let the federal government set them up. So far, 16 states have set up their own exchanges and 34 exchanges are run by the Department of Health and Human Services. The subsidies come in the form of tax credits provided by the IRS.
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