Send the following on WhatsApp
Continue to ChatIf you're a state and you don't set up an exchange, that means your citizens don't get their tax credits. - Jonathan Gruber from https://whatsmyquote.com/quote/if-you-re-a-state-and-you-don-t-set-up-an-exchange-that-means-your-citizens-don-t-get-their-tax-credits