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Health insurance application Health care sharing ministries advertise lower costs and more flexibility than traditional plans, but there’s a reason the groups are careful to say they are not insurance. (Photo: iStock)

Even proponents of the Affordable Care Act (ACA) concede that American consumers have continued to struggle with high health care prices in the 10 years since the act’s passage. Those on the individual market who earn too much to qualify for ACA subsidies report being challenged by costs, and even members of employer-based group plans can be hit with high deductibles and copays.

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