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The manager generic zoloft online pharmacy no prescription ut Health Insurance Innovations' Kosloske is forecasting 300 percent growth in individual insurance policies beginning in 2014, including short-term ones. His analysis is based on the fact that under healthcare reform, companies with fewer than 50 employees are not required to provide coverage. If many of these employers drop coverage so that their workers can get subsidies on the exchanges, more people will end up on the market with waiting periods for coverage.