National Conference of State Legislatures: “The principal intent of the Patient Protection and Affordable Care Act (PPACA) was to enable low and moderate income individuals, and small employers to obtain affordable health coverage through state based exchanges. In 2014, individuals and small business will be able to purchase private health insurance through state-based exchanges. This document reflects information and guidance issued through statute, rule or communications from the federal government concerning the activities and options as they related to the development of a health benefit exchange.”