ACA Magnifying Glass CMS isencouraging states to allow the sale of plans outside of exchangesthat don't incorporate a surcharge insurers started tacking on lastyear. (Photo: Getty)

For those who make too much money to qualify for health insurance subsidies on the individualmarket, there may be no Goldilocks moment when shopping for a plan.No choice is just right.

A policy with an affordable premium may come with a deductiblethat's too high. If the copayments for physician visits arereasonable, the plan may not include their preferred doctors.

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