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gap insurance

There are many reasons someone could end up having a lapse in health insurance. They might need to move closer to a caregiver or treatment center, for example, and consequently have to quit their job — and lose their insurance. Portra Images/Getty Images hide caption

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Portra Images/Getty Images

A screenshot from a video touting a gap plan called "Premium Saver." Screenshot by NPR/Crema Design Studio hide caption

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Screenshot by NPR/Crema Design Studio