Robert Kingsland will have to pay hundreds of dollars if he goes without insurance next year, even though Congress recently repealed the Affordable Care Act’s penalty for not having coverage. That is because his home state of New Jersey just imposed a fine of its own for letting insurance lapse.

In California, Aaron Brown’s small business association likely won’t be able to provide the cheaper health policies promoted by the Trump administration. California banned the creation of many associations that offer such policies.

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