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</a> The department’s answer: “If they have offers of employer-sponsored insurance but none are affordable (as in, they would cost more than a certain percentage of the family’s annual income), then families can buy insurance with subsidies on the exchanges. If the person is asking about exchange coverage being affordable, [he or she] needs to consider that most families will be eligible for tax credits that could dramatically reduce the cost of a plan for a family and [that] they will be able to see the tax credits that they’re eligible for when they’re shopping for coverage.”
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