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Other components can affect eligibility, including age, whether or not you’re pregnant and in case you have a incapacity. You can examine your eligibility for these packages on HealthCare.gov. When comparing medical insurance costs, look Health News at each premiums and out-of-pocket costs, such as deductible, coinsurance and out-of-pocket most. A point-of-service plan lets you get medical care in-network or out-of-network, but you’ll pay less when you stay in community.