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Answer the following questions with the proper in text citations and APA style references. 

1.Identify one area in which ACA addresses market failures in the private insurance market, discuss how it works.

2. Why does ACA require individuals to purchase health insurance?

3. Why do smaller firms face higher premiums than larger firms? What does ACA do to address this issue?

4. How does ACA help low income individuals purchase insurance?

5. What economic issues do the private health insurance exchanges address?