America just got one step closer to health insurance exchanges.

The Department of Health and Human Services and the Treasury Department created several proposed rules on Friday which, among other things, give middle-class families access to tax relief that will decrease the cost of coverage.

HHS awarded $185 million to 13 states and the District of Columbia to help them build Affordable Insurance Exchanges and, with Treasury, posted three proposed rules that outline exactly how consumers can use the exchanges to purchase private health insurance.

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