Dr. Charu Sawhney examines patient Mang Caan. Sawhney supports the Affordable Care Act, but has been frustrated by how difficult it is to find specialists who accept some of the plans her patients bought. Carrie Feibel for NPR hide caption

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HIV/AIDS drugs like AZT are lifesavers for many people. But insurers' policies on paying for the drugs vary widely. Will & Deni McIntyre/Science Source hide caption

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Dudley Pratt (left) talks to reporter Jenny Gold at a gas station in Fenner, Calif. He's frustrated by all the paperwork related to his health insurance these days. Ilana Lipsett/Jenny Gold hide caption

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Cigna's letter to Julie Rovner saying she had no proof of past coverage, so limitations based on pre-existing conditions could apply. (Highlights added.) Julie Rovner for NPR hide caption

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