November 30 has come and gone, meaning HealthCare.gov, the $630 million portal created by the Affordable Care Act that links all 36 federal online insurance marketplaces, should be running smoothly for the majority of users. However, that does not mean the marketplaces are easy to use, especially for individuals trying to compare how different policies cover drug costs. Costs can differ greatly on a plan-by-plan basis, even if the policies are offered by the same insurance company.

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