Man handing over money If Newsom's $295 million plan is enacted, California would be the first state to offer financial aid to middle-class families who have shouldered the full cost of premiums themselves. (Photo: Shutterstock)

Claire Haas and her husband are at a health insurance crossroads.

If they were single, each would qualify for a federal tax credit to help reduce the cost of their health insurance premiums. As a married couple, they get zip.

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