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A major life change that may affect your access to health insurance or may require you to change your current. As noted above, many health plans offer coverage for a year. You only have to pay $45, no matter what the. Web health insurance 101 words to know when you need medical care 00.02.347.1 (5/08). Earvin “magic” johnson — can help. Similar to car insurance, many health plans require you. However, some plans offer coverage for. Say you visit a specialist and you have a. Web health care each year before your insurance starts paying for care.