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In Tennessee, 22 navigators enrolled 2,082 people in marketplace plans and Medicaid or the federal-state Children’s Health Insurance Plan in November (Photo: Shutterstock)

When Monica Spalding got the renewal letter from her health insurance company with premium details for the upcoming year, she couldn’t believe her eyes. The insurer estimated that the share of the monthly premium that she and her husband would owe for their marketplace silver plan would go up from the current $28 a month to $545.

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