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      "text": "Although overall product offerings have increased substantially, this growth has not been consistent. In 2023, 82 percent of plans available to consumers are HMO or EPO plans that generally do not provide out-of-network coverage...",
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      "text": "Note: Figures may not sum to 100%, because of rounding. Source: HHS notice of benefit and payment parameters for 2024 proposed rule, Centers for Medicare & Medicaid Services (CMS), December 12, 2022; McKinsey Center for US Health System Reform analysis of federal and state individual marketplace data",
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