In 2014, the Affordable Care Act provided subsidies to individuals to purchase health insurance (e.g., in the Covered California exchange) whose household incomes were up to 400% of the federal poverty level. However, the American Rescue Plan Act of 2021 provided subsidies to individuals with higher household incomes--between 401-600% of the federal poverty level. This Act will (Increase or decrease) target effectiveness and (Increase or decrease) target efficiency with respect to the target of the originally uninsured Californians in 2014