Which of the following statements regarding Affordable Care Act (ACA) is (are) true? (Check all that apply)

A It prevents health insurers from denying coverage for pre-existing conditions.

B In California, individuals without health insurance are subject to a tax penalty (with exceptions).

C It provides health care services directly to those without employer-provided health insurance.

D It allows individuals to choose between different plans on the Exchanges.

E The government provides premium subsidies for those with low incomes.