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Where have the insurance marketplaces created by the Affordable Care Act struggled the most? The answer lies in commerce, not politics.

A decision against subsidies would undermine the government-run insurance marketplaces that are backbone of the Affordable Care Act.

Many insurers are restricting access to new drugs that are easier to take and that promise higher cure rates because the price tags can run $95,000 or more.

Many companies planned to offer health insurance without hospital coverage because it met requirements of a "minimum value" formula. But the Treasury Department says those plans aren't legal.

A federal calculator that companies use to certify whether their health insurance complies with the Affordable Care Act appears to bless plans without hospital coverage.

Parts of the Affordable Care Act seek to curb states from setting their own mandates requiring insurers to cover specific care. But many state legislators are trying to work around the restrictions.

For years Catholic health plans have been arranging for independent insurance firms to provide contraceptive coverage to their enrollees.

Physicians have been warning for years about a coming shortage of primary care doctors. But others say primary care teams that include other types of health workers might fill the gap better.

There will be fewer plans to pick from this time around. But people can still expect plenty of options for prescriptions drugs and privately run insurance through Medicare Advantage.

To contain costs, some plans are capping how much they will pay for certain routine procedures, such as knee replacements. Patients can be on the hook for anything over the limit.