"The low rates are possible in part because insurance companies created special plans that include fewer in-network doctors and hospitals than many current plans. This may not be a problem for healthy people who currently lack insurance. But those with illnesses may discover that their specialists are not covered by an exchange insurance plan. Low-income people accustomed to a certain community clinic may find that going there is no longer an option. And everyone may encounter long waits to see a doctor. In addition, many of the lowest-cost plans may carry high deductibles[.]"

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