State officials are pushing back hard against what they view as shortcomings in the healthcare reform law for fear they'll be barraged with complaints when people have trouble affording insurance. Federal regulators are writing the rules governing key aspects of the law, including the guidelines to determine who's eligible for subsidies to buy private insurance. Those benefits will be delivered through state-based exchanges, however, leaving state officials on the receiving end of angry phone calls if glitches in the law aren't ironed out by 2014. One key shortcoming is found in the law's subsidies for people who don't have access to affordable coverage through their employer. As The Hill first reported in July, the law links the subsidies to the cost of coverage for a single employee. If that coverage is found to be affordable, the individual does not qualify for subsidies in the state health exchanges.