Health and Human Services Secretary Kathleen Sebelius talks about insurance with Nick Kaplanis, manager at Frager's Hardware Store, Washington, D.C.
Jessica Marcy/Kaiser Health News
July 11, 2011 Exchanges must be up and running by at the start of 2014, although states must prove a year earlier that they will be ready to go. The federal government will establish exchanges for states that can't or won't do so themselves.
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