Amidst complaints that plans offered through the state insurance marketplaces are too expensive for people of modest means, even after subsidies, two states appear to have come up with a solution.

Those in the other 48 are likely still out of luck.

New York and Minnesota, two states that traditionally boast above-average social safety nets, have taken advantage of an obscure provision of the Patient Protection and Affordable Care Act that allows them to provide low-cost health coverage to those whose incomes are too high to qualify for Medicaid but who would nevertheless struggle to afford coverage through the individual marketplace exchange.

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