ACA Magnifying Glass CMS is encouraging states to allow the sale of plans outside of exchanges that don't incorporate a surcharge insurers started tacking on last year. (Photo: Getty)

For those who make too much money to qualify for health insurance subsidies on the individual market, 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 deductible that's too high. If the copayments for physician visits are reasonable, the plan may not include their preferred doctors.

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