For some Marylanders with low incomes, the high cost of insurance in the exchange will be partially offset with federal subsidies. These subsidies don't lower the cost of insurance, however. Instead, they merely reduce the cost of insurance to those who are buying it, transferring that cost to taxpayers. It's a cost shift, not a cost reduction. Given the federal government's large deficit, these subsidies are another burden that future taxpayers will be forced to deal with.