Two Federal court rulings on one day have helped add to the already chaotic atmosphere surrounding the ACA implementation. Potentially affected are millions of lower and middle income Americans living in 34 states which utilize the federally run insurance exchanges. Three judges of the 4th U.S. Circuit Court of Appeals ruled unanimously in favor of allowing the IRS to offer promised subsidies, while a three judge panel of the U.S. Court of Appeals for the District of Columbia Circuit, in a split decision, ruled they could not. The case is likely headed to the U.S. Supreme Court, but that decision could be a year or more away. Meanwhile, what's a country to do?