Under the Affordable Care Act (ACA), the establishment of health care exchanges to enable individuals to purchase health insurance on the open market is proceeding as scheduled.

A report from The Commonwealth Fund indicates that 90% of American families living above the federal poverty level will be able to afford health insurance under the ACA, and that new subsidies available through health insurance exchanges established under the law will make premiums affordable for most families. But high out-of-pocket costs will likely mean some families will still be unable to afford health-related expenses.

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