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On a different note ... IMHO  I am shocked that the ACA Marketplace is still in exhistance after they gutted the Obamacare program.   Once they dropped the employer requirement  mandate (never was implemented)  and removed the individual penalties for not having insurance the anticipated funding for this program went away thus it is being sustained thru other tax funding (like stealing/borrowing from SS/medicare).  Now with no repayment required for 2 tax years and a more favorable "affordability" standard in the future this entire program is drowning in red ink.  Something has to give or change in the future.