Jennifer Tolbert talked about state-based health insurance exchanges, a key component of the Affordable Care Act, the health care law. November 16, 2012 marked the deadline for states planning to operate a state-based exchange or state-federal exchange to submit their plans to the Department of Health and Human Services. Topics included options for states that decided not to run their own exchanges, federal subsidies for those who lack the funds to pay for health insurance, and the impact of the law on small businesses. Ms. Tolbert also responded to telephone calls and electronic communications.