The new health insurance exchange is going to be started up in 2010 when the American people will be required to have health insurance. The new health care law is made to experience health insurance more affordable. Many company coverages offer heavy amount of premium that the emloyees experience difficult to pay. But now if you are offered large amount of coverage or if it is more than 9.5 percent of your income, you can go onto the health insurance exchange and buy subsidized coverage there. Similarly, if you get less than 60 percent of the medical costs, you will get subsidized coverage on the exchange. If you are getting income that is less than 400 percent of the federal poverty level ($43,320 for an individual in 2010), to help pay your health insurance premiums, you could receive a subsidy. You will get limited cost-sharing of co-payments, co-insurance and deductibles, if your income is less than 250 percent of the federal poverty level. The government will propose penalty for t