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[Editor's note: This is the author's personal account of going through HealthCare.gov.]

There are three ways to apply for coverage on the federal exchange: online, by phone or in person. Most would consider online the easiest way to go — and now that consumers can shop for plans before deciding to register for an account, the process is less tedious than it once was. But you’ll still find yourself clicking through page after page, entering more information than you’d imagine is necessary, before you can register for a plan.

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