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More Americans have health insurance today than any other time in history. Despite this accomplishment, there are still some gaps in coverage that stress the need for critical illness insurance. (Illustration by Blair Kelly)

Today, more people have health insurance than ever before in our country’s history. Love it or hate it, health care reform has resulted in an estimated 20 million people moving under the health insurance umbrella, according to a recent report by the Department of Health and Human Services.

But for many people — even those with good medical plans through their employer — that umbrella is either too small or has a few leaky spots.

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