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If you do not have a job that provides benefits, look into forming a group or even joining a group that already has them like your local Chamber of Commerce, Alumni association, your local religious organization, or even an association. Just be sure you review the policy because the community plan may be one that is based in another state with different rules, so the benefits may as well as the rules that govern the policy from a different state. It important that you do your same due diligence on these plans as you would any other. Find out if there have been any complaints filed against the organization or the insurer and if the state protections apply.