Gov. Bill Haslam speaks to reporters after announcing in Nashville, Tenn., on Monday that that he had decided against creating a state-run health insurance exchange. The Republican governor said he will leave it to the federal government to run the marketplace. Erik Schelzig/ASSOCIATED PRESS hide caption

itoggle caption Erik Schelzig/ASSOCIATED PRESS

MIT health economist Jonathan Gruber, who explained the ins and outs of health overhaul in a comic book, says that excluding the value of health insurance from federal taxes is a terrible idea, at least from an economist's point of view. Macmillan hide caption

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The largest tax break in the federal code doesn't appear on the forms the average person fills out each year. iStockphoto.com hide caption

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Keith Gresham, 65, lines up four medications he takes at his home in Detroit in 2011. The self-employed painter was without health insurance for about a decade and was happy to finally turn 65 last year so he could qualify for Medicare. Patricia Beck/MCT/Landov hide caption

itoggle caption Patricia Beck/MCT/Landov

Medical marijuana advocates demonstrate outside a San Francisco fundraiser for President Obama in February. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

Nebraska Gov. Dave Heineman announced Thursday that his state will choose the federal health insurance exchange program. Nati Harnik/AP hide caption

itoggle caption Nati Harnik/AP

Problems with a computer system could delay work on health insurance exchanges. iStockphoto.com hide caption

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Health insurance plans that require consumers to pay more in out-of-pocket medical expenses may have hidden costs. iStockphoto.com hide caption

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Tennessee Gov. Bill Haslam said last week the state could design its own health insurance exchange required under President Obama's health care law. But resistance in the Republican-controlled General Assembly may cause the state to hand that power off to the federal government. Mark Humphrey/AP hide caption

itoggle caption Mark Humphrey/AP

Bruce Osterweil, 59, of San Francisco has long relied on his wife's employer-sponsored health plan for coverage, but she recently turned 65 and signed up for Medicare. She's going to retire in January and now Bruce is on his own to find a plan on the individual insurance market. Sarah Varney/KFF hide caption

itoggle caption Sarah Varney/KFF