Now that Barack Obama has been sworn in for a second term, the focus will again turn to Obamacare and health care exchanges. A key component of Obamacare, health care exchanges are to be set up by the states giving consumers a limited amount of options to purchase health care in their state. Those that traditionally cannot afford to purchase health care will be given tax credits. Additionally, the federal government will also help cover co-pays and deductibles that aren’t covered by insurance.