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AICPA's October 11 e-Alert reminds taxpayers that: "While the government may be closed, the Health Insurance Marketplace (“Exchange”) is up and running. The Exchanges were formed to help Americans obtain affordable health insurance coverage. Individuals can apply for insurance on the Exchange web page. Step-by-step instructions walk applicants through the entire process, from choosing a plan that fits their needs to finalizing an application. Insurance coverage obtained through an exchange will become effective Jan. 1, 2014. Be advised there have been some problems reported with access to the exchanges due to technology glitches."