The Congressional Budget Office (CBO) has taken another look at how federal health insurance subsidies might perform in a health exchange environment, and the National Association of Insurance Commissioners (NAIC) has updated an exchange governance draft.

Provisions in the Patient Protection and Affordable Care Act (PPACA) are supposed to create a new system of health insurance exchanges in 2014. Individuals are supposed to be able to use a new tax credit subsidy system to buy coverage through the exchanges.

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