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“In states where there is less competition, we are seeing higher rates. It depends very much where you are,” said Gary Cohen, director of the Center for Consumer Information and Insurance Oversight at HHS. For example, a family of four in Jackson, Miss., with an income of $50,000 would have to pay $1,200 a month for a "silver" plan if they didn't qualify for government help -- although they'd pay just $282 after the federal tax credit they almost certainly would qualify for.
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