Roger Sauerhaft thought he had done everything right. The 38-year-old PR consultant had been running his solo practice in New York since 2021, paying $1,189 a month for what seemed like good health insurance through his state’s individual marketplace. 

In late 2023, he developed a medical issue that required a specialist, and started calling doctors’ offices—only to be turned away again and again. The closest in-network specialist was an hour away in Long Island. 

One medical administrator was honest with him: His plan’s network was too restrictive. He........

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