Assertion: consumer's state | /r/HasAspect | multiple regulators
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Source sentences:
text: The Affordable Care Act, establishing marketplaces selling health plans directly to consumers, adopted the ERISA-style regulatory model, requiring all plans to have standardized documents such as a "summary plan document" (SPD), but the marketplace was regulated by the individual insurance commissioners of every state, with some states having multiple regulators (California maintains both a Department of Insurance and a Department of Managed Care).