On July 21, 2014, two United States appeals courts reached different decisions about the legality of subsidies under the Affordable Care Act (ACA). The subsidies assist approximately 4.7 million people, or 86 percent of all HealthCare.gov enrollees. These subsidies offset the cost for low or moderate income individuals in an effort to provide affordable coverage. A large percentage of these individuals pay less than $100 per month in premiums after their subsidies are applied. In short, these subsidies make the cost of healthcare affordable for millions of Americans. HealthCare.gov provides insurance for residents of the 36 states that did not create their own health insurance marketplace. At the end of open enrollment, the “federal exchange” helped 5.4 million Americans sign up for “Affordable Care” plans.