Shoot me a pm with your email address. OMG, they stink. So what, the poor get a subsidy... if they get sick they have huge out of pocket expenses they can't pay. Zero progress. 80% of America does not want this. Subsidies do not pay for out of pocket medical, they only help with premiums. And then there is the tax year consolidation with any subsidy received. How many are going to be hit with tax bills because their income increased or was reported incorrectly...