2014

The Uninsured: Most Americans are required to get covered or pay a penalty; families can receive subsidies to buy insurance if they earn up to four times the federal poverty level (currently about $88,000 a year); individuals and small businesses can buy packages through state exchanges

Insurers: Prohibited from refusing to sell policies and limited in their ability to set prices on the basis of health status

Employers: Businesses with 50 or more employees must provide coverage or pay a penalty

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