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This Tuesday, Oct. 23, 2018, file photo shows HealthCare.gov website on a computer screen in New York. The sign-up period for next year’s individual health insurance coverage runs from Nov. 1 to Dec. 15. Picking a plan can initially involve several trips to websites like healthcare.gov just to understand the options. Shoppers who want to stick with the same plan must scrutinize it for changes. (AP Photo/Patrick Sison)

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