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Message: From GoLocalProv by Amy Gallagher, GoLocalProv Business/Health Expert: On January 1, 2014, the state health Exchanges must be open for business to provide coverage for individuals, small businesses, and others who elect off employer plans and qualify for premium subsidies. (However, in early April, the federal government delayed the start of the Exchanges for small businesses until 2015 in 33 states where it's running the programs because local governments failed to act.) http://www.golocalprov.comhttp://beta.golocalprov.com/smart-benefits-ne-health-exchanges-whos-ahead-whos-behind