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Best Site good looking test stack no 17 Health Insurance Innovations' Kosloske is forecasting 300percent growth in individual insurance policies beginning in2014, including short-term ones. His analysis is based on thefact that under healthcare reform, companies with fewer than 50employees are not required to provide coverage. If many of theseemployers drop coverage so that their workers can get subsidieson the exchanges, more people will end up on the market withwaiting periods for coverage.