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Apart from Silver plans, other metal tiers with different deductibles, premiums and maximum out-of-pocket limits are also available in Florida. Ambetter offers the cheapest plans for the Gold tier, Oscar the cheapest for the Bronze tier and for EPO plans and Florida Health Care Plans the lowest cost for Platinum tier and POS plans.

MoneyGeek also found the best health insurance in Florida by analyzing providers and plans balance cost and service.

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2023

Most Affordable Health Insurance in Florida

Cheapest Health Insurance in Florida by Metal Tier

The most affordable Silver plan for the average Floridian is the Silver Value 1815 Plan from Health First - AdventHealth at $457 per month.

Health insurance costs vary by metal tier. If a plan is more expensive, it usually offers more comprehensive coverage. Health First - AdventHealth, Oscar, Ambetter and Florida Health Care Plans all offered some of the cheapest plans in Florida depending on the metal tier. Here are the cheapest health insurance plans by metal tier with their average monthly premiums:

  • Catastrophic: Catastrophic Gym Access 1746 ($226 per month)
  • Bronze: Bronze Simple Standard ($360 per month)
  • Expanded Bronze: Bronze Value 1814 ($356 per month)
  • Silver: Silver Value 1815 Plan ($457 per month)
  • Gold: CMS Standard Gold Value ($446 per month)
  • Platinum: Gym Access IND Platinum HMO BC 5841 from Florida Health Care Plans ($741 per month)

Whereas plans with cheaper premiums cover only basic health care costs, more valuable metal tiers (like Gold or Platinum) are pricier month to month but have more benefits and lower out-of-pocket maximums.

Metal Tier
Plan
Company
Monthly Cost
Maximum Out-of-Pocket

Catastrophic

Catastrophic Gym Access 1746

Health First - AdventHealth

$162

$9,100

Catastrophic

Catastrophic Gym Access 1746

Health First - AdventHealth

$181

$9,100

Catastrophic

Catastrophic Gym Access 1746

Health First - AdventHealth

$226

$9,100

Expanded Bronze

Bronze Value 1814

Health First - AdventHealth

$254

$8,700

Bronze

Bronze Simple- Standard

Oscar

$257

$9,100

Expanded Bronze

Bronze Value 1814

Health First - AdventHealth

$285

$8,700

Bronze

Bronze Simple- Standard

Oscar

$288

$9,100

Catastrophic

Catastrophic Gym Access 1746

Health First - AdventHealth

$316

$9,100

Gold

CMS Standard Gold VALUE

Ambetter

$319

$8,700

Silver

Silver Value 1815

Health First - AdventHealth

$327

$8,700

Expanded Bronze

Bronze Value 1814

Health First - AdventHealth

$356

$8,700

Gold

CMS Standard Gold VALUE

Ambetter

$358

$8,700

Bronze

Bronze Simple- Standard

Oscar

$360

$9,100

Silver

Silver Value 1815

Health First - AdventHealth

$367

$8,700

Gold

CMS Standard Gold VALUE

Ambetter

$446

$8,700

Silver

Silver Value 1815

Health First - AdventHealth

$457

$8,700

Catastrophic

Catastrophic Gym Access 1746

Health First - AdventHealth

$480

$9,100

Expanded Bronze

Bronze Value 1814

Health First - AdventHealth

$497

$8,700

Bronze

Bronze Simple- Standard

Oscar

$503

$9,100

Platinum

Gym Access IND Platinum HMO BC 5841

Florida Health Care Plans

$529

$2,500

Platinum

Gym Access IND Platinum HMO BC 5841

Florida Health Care Plans

$594

$2,500

Gold

CMS Standard Gold VALUE

Ambetter

$624

$8,700

Silver

Silver Value 1815

Health First - AdventHealth

$639

$8,700

Platinum

Gym Access IND Platinum HMO BC 5841

Florida Health Care Plans

$741

$2,500

Expanded Bronze

Bronze Value 1814

Health First - AdventHealth

$756

$8,700

Bronze

Bronze Simple- Standard

Oscar

$764

$9,100

Gold

CMS Standard Gold VALUE

Ambetter

$948

$8,700

Silver

Silver Value 1815

Health First - AdventHealth

$971

$8,700

Platinum

Gym Access IND Platinum HMO BC 5841

Florida Health Care Plans

$1,035

$2,500

Platinum

Gym Access IND Platinum HMO BC 5841

Florida Health Care Plans

$1,573

$2,500

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MONEYGEEK EXPERT TIP

Metal tiers are groupings of plans on the health insurance exchange. The more valuable the metal (e.g., Gold is more valuable than Silver), the more the plan tends to cost in premiums, but the less it tends to cost in out-of-pocket expenses.

Younger and healthier buyers may want to opt for less valuable metals, while those who can afford it or expect to have medical expenses may want to opt for higher. Silver plans provide a balance and the opportunity to lower your deductibles if you have low income.

Resource: Learn more about metal tiers

Cheapest Silver Plans in Florida

Health First - AdventHealth offers the cheapest Silver plan in Florida. The average monthly cost of a Silver Value 1815 plan is $457. The top three most affordable Silver plans in Florida are:

  • Silver Value 1815 from Health First - AdventHealth: $457 per month
  • myBlue Connected Care Silver 2348 from Blue Cross Blue Shield: $469 per month
  • Constant Care Silver 9 from Molina: $471 per month

Silver plans are popular health insurance plans because they offer decent coverage with lower deductibles than Bronze plans. Cost-sharing reductions (if you qualify) can also lessen your deductible, copay and out-of-pocket maximum and are only available with Silver plans.

The most accessible plan type in Florida is an HMO. This is why MoneyGeek focuses its recommendations on Silver plans in this section.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Health First - AdventHealth

$274

$8,700

Silver Value 1815

Blue Cross Blue Shield

$281

$7,400

myBlue Connected Care Silver 2348

Molina

$282

$9,100

Constant Care Silver 9

Aetna

$285

$8,900

Silver S: Aetna network of doctors & hospitals + $0 walk-in & telemedicine via MinuteClinic at CVS

Blue Cross Blue Shield

$285

$8,000

myBlue Connected Care Silver 2332

Ambetter

$285

$8,900

CMS Standard Silver VALUE

Ambetter

$285

$5,400

Clear VALUE Silver

Florida Health Care Plans

$287

$8,900

Gym Access IND Silver HMO OA Standard 1440

Blue Cross Blue Shield

$287

$7,400

myBlue Connected Care Silver 2348D

Ambetter

$288

$7,500

Focused VALUE Silver

Cheapest Gold Plans in Florida

The most affordable Gold plan in Florida, at about $446 per month, is the CMS Standard Gold Value from Ambetter. The three cheapest Gold plans are:

  • CMS Standard Gold Value from Ambetter: $446 per month
  • CMS Standard Gold Select from Ambetter: $455 per month
  • Complete Value Gold from Ambetter: $478 per month

Gold plans tend to have better deductibles than cheaper plans — meaning you pay less for health care services before your plan starts to cover costs. However, Gold plans don’t offer the cost-sharing reductions of Silver plans.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Ambetter

$267

$8,700

CMS Standard Gold VALUE

Ambetter

$273

$8,700

CMS Standard Gold SELECT

Ambetter

$286

$7,500

Complete VALUE Gold

Ambetter

$292

$7,500

Complete SELECT Gold with Select Providers

Health First - AdventHealth

$293

$8,700

Gold Value 1819

Ambetter

$303

$8,700

CMS Standard Gold

Florida Health Care Plans

$306

$4,000

Gym Access IND Gold HMO H.S.A 9010

Florida Health Care Plans

$308

$8,700

Gym Access IND Gold HMO OA Standard 3450

Oscar

$308

$8,700

Gold Classic- Standard

Ambetter

$309

$7,500

Everyday Gold

Cheapest Bronze Plans in Florida

For the cheapest Bronze plan in Florida, a Bronze Simple Standard plan from Oscar costs approximately $360 per month. Other most affordable plans include:

  • Bronze Simple Standard from Oscar: $360 per month
  • AmeriHealth Caritas Next Bronze from AmeriHealth: $367 per month
  • Gym Access IND Bronze HMO OA Standard 2440 from Florida Health Care Plans: $375 per month

Bronze plans offer the lowest monthly premiums but have the highest deductibles, meaning you’ll pay out of pocket for most or all of your routine care.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Oscar

$215

$9,100

Bronze Simple- Standard

AmeriHealth

$220

$9,100

AmeriHealth Caritas Next Bronze + Free Telemedicine + Free Preventive Care + Healthy Rewards

Florida Health Care Plans

$225

$9,100

Gym Access IND Bronze HMO OA Standard 2440

Health First - AdventHealth

$231

$9,100

Bronze Standard 1827

Health First - AdventHealth

$236

$8,700

Bronze 1774

Ambetter

$242

$8,600

Clear Bronze

Blue Cross Blue Shield

$249

$9,100

myBlue Bronze 2321S

Blue Cross Blue Shield

$249

$9,100

myBlue Bronze 2311S

Ambetter

$251

$8,600

Clear Bronze + Vision + Adult Dental

Blue Cross Blue Shield

$256

$9,100

BlueSelect Bronze 2341S

Cheapest Expanded Bronze Plans in Florida

A Bronze Value 1814 plan from Health First - AdventHealth is the most affordable Expanded Bronze plan in Florida, costing about $356 per month. The top three cheapest plans in this tier are:

  • Bronze Value 1814 from Health First - AdventHealth: $356 per month
  • CMS Standard Expanded Bronze Value from Ambetter: $376 per month
  • Bronze Classic from Oscar: $377 per month

Halfway between Bronze and Silver, Expanded Bronze plans typically cover office visits and one major service before you meet your deductible. However, there is a copay.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Health First - AdventHealth

$213

$8,700

Bronze Value 1814

Ambetter

$225

$9,000

CMS Standard Expanded Bronze VALUE

Oscar

$226

$9,100

Bronze Classic

Florida Health Care Plans

$228

$9,100

Gym Access IND Bronze HMO 1340

Ambetter

$229

$9,000

CMS Standard Expanded Bronze SELECT

Florida Health Care Plans

$230

$7,500

Gym Access IND Bronze HMO HSA 6060

Health First - AdventHealth

$230

$8,700

Bronze Savings 1820

Florida Health Care Plans

$231

$7,500

Gym Access IND Bronze HMO HSA 5065

Oscar

$233

$9,100

Bronze Classic- PCP Saver

Blue Cross Blue Shield

$233

$9,100

myBlue Connected Care Bronze 2346

Cheapest Catastrophic Plans in Florida

Health First - AdventHealth's Catastrophic Gym Access 1746 is the cheapest Catastrophic plan in Florida, costing about $181 monthly for a 26-year-old.

The top three affordable Catastrophic plans are:

  • Catastrophic Gym Access 1746 from Health First - AdventHealth ($181 per month)
  • Gym Access IND Essential Plus Catastrophic HMO 36 from Florida Health Care Plans ($227 per month)
  • Secure from Oscar ($233 per month)

Although Catastrophic plans have the lowest monthly premiums, they also feature high deductibles and are only available for individuals under the age of 30 or who qualify because of financial difficulties.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Health First - AdventHealth

$162

$9,100

Catastrophic Gym Access 1746

Health First - AdventHealth

$181

$9,100

Catastrophic Gym Access 1746

Florida Health Care Plans

$203

$9,100

Gym Access IND Essential Plus Catastrophic HMO 36

Oscar

$208

$9,100

Secure

Florida Health Care Plans

$219

$9,100

Gym Access IND Essential Plus Catastrophic POS 37

Florida Health Care Plans

$227

$9,100

Gym Access IND Essential Plus Catastrophic HMO 36

Oscar

$233

$9,100

Secure

Florida Health Care Plans

$245

$9,100

Gym Access IND Essential Plus Catastrophic POS 37

AvMed

$309

$9,100

AvMed Entrust Catastrophic 100

AvMed

$346

$9,100

AvMed Entrust Catastrophic 100

Cheapest Platinum Plans in Florida

In the Platinum tier, the cheapest in Florida is the Gym Access IND Platinum HMO BC 5841 plan from Florida Health Care Plans at $741 per month.

  • Gym Access IND Platinum HMO BC 5841 from Florida Health Care Plans: $741 per month
  • Gym Access IND Platinum HMO 4000 from Florida Health Care Plans: $745 per month
  • Gym Access IND Platinum HMO OA Standard 4450 from Florida Health Care Plans: $747 per month

Premiums for Platinum plans are the highest of the metal tiers, but you’ll pay the least out of pocket for services.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Florida Health Care Plans

$443

$2,500

Gym Access IND Platinum HMO BC 5841

Florida Health Care Plans

$446

$4,000

Gym Access IND Platinum HMO 4000

Florida Health Care Plans

$447

$3,000

Gym Access IND Platinum HMO OA Standard 4450

Florida Health Care Plans

$450

No Data

Gym Access IND Essential Plus Platinum HMO 65

Blue Cross Blue Shield

$453

$4,000

BlueSelect Platinum 1451

Florida Health Care Plans

$455

$2,500

Gym Access IND Platinum HMO 91

Florida Health Care Plans

$458

$2,000

Gym Access IND Platinum HMO BC 1941

Capital Health

$461

$3,000

Capital Health Plan HMO Platinum 4000

Blue Cross Blue Shield

$467

$3,000

myBlue Platinum 2324S

Blue Cross Blue Shield

$473

$3,000

BlueSelect Platinum 2345S

Cheapest Health Insurance in Florida for Those With Low Income

Cost-sharing reductions are available to eligible Florida residents whose income is below 250% of the Federal Poverty Level (FPL). They lessen the financial burden of health care costs for individuals after treatment.

Depending on your income, MoneyGeek discovered that the cheapest plan for low-income individuals in Florida is Silver Value 1815 from Health First - AdventHealth, with the following maximum out-of-pocket cost adjustments:

  • Income lower than $20,385 per year: Silver Value 1815 ($800 MOOP)
  • Income from $28,386 to $27,180 per year: Silver Value 1815 ($2,900 MOOP)
  • Income from $27,181 to $47,565 per year: Silver Value 1815 ($6,800 MOOP)

Cost-sharing reductions apply only to Silver plans in Florida. Income numbers are for an individual only and differ if your household size is greater than one.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Health First - AdventHealth

$274

$6,800

Silver Value 1815

Health First - AdventHealth

$274

$2,900

Silver Value 1815

Health First - AdventHealth

$274

$800

Silver Value 1815

Blue Cross Blue Shield

$281

$2,400

myBlue Connected Care Silver 2348

Blue Cross Blue Shield

$281

$900

myBlue Connected Care Silver 2348

Blue Cross Blue Shield

$281

$7,000

myBlue Connected Care Silver 2348

Molina

$282

$7,250

Constant Care Silver 9

Molina

$282

$3,000

Constant Care Silver 9

Molina

$282

$1,400

Constant Care Silver 9

Aetna

$285

$1,700

Silver S: Aetna network of doctors & hospitals + $0 walk-in & telemedicine via MinuteClinic at CVS

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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing plans do not impact your premium amounts in any way. Rather, they allow the health insurance company to pay a higher share of your medical expenses, so your deductible, copay and out-of-pocket maximum are less than they would be otherwise.

Using the Silver Value 1815 plan as an example, policyholders might pay the $457 average monthly premium for both standard and low-income plans. However, a significant difference lies in the out-of-pocket maximum (MOOP) — a standard plan has an $8,700 average MOOP cost, whereas the average MOOP for someone whose income is below 150% of the FPL is only $800.

The Cheapest Health Insurance in Florida by Plan Type

A Health Maintenance Organization (HMO) plan is the most common plan type in Florida. However, you may also find alternative types, including Point of Service (POS) and Exclusive Provider Organization (EPO) plans.

According to MoneyGeek’s findings, the most affordable health insurance in Florida for POS and EPO plan types are:

  • EPO: Silver Simple PCP Saver from Oscar ($502 per month)
  • POS: Gym Access IND Essential Plus Silver POS 54 from Florida Health Care Plans ($517 per month)

If you don’t mind paying a bit more per month, EPO and POS plans offer a bit more flexibility when it comes to seeking services from out-of-network providers and seeing specialists without a referral.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Health First - AdventHealth

$274

$8,700

Silver Value 1815

Blue Cross Blue Shield

$281

$7,400

myBlue Connected Care Silver 2348

Molina

$282

$9,100

Constant Care Silver 9

Aetna

$285

$8,900

Silver S: Aetna network of doctors & hospitals + $0 walk-in & telemedicine via MinuteClinic at CVS

Blue Cross Blue Shield

$285

$8,000

myBlue Connected Care Silver 2332

Ambetter

$285

$8,900

CMS Standard Silver VALUE

Ambetter

$285

$5,400

Clear VALUE Silver

Florida Health Care Plans

$287

$8,900

Gym Access IND Silver HMO OA Standard 1440

Blue Cross Blue Shield

$287

$7,400

myBlue Connected Care Silver 2348D

Ambetter

$288

$7,500

Focused VALUE Silver

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WHAT IS THE DIFFERENCE BETWEEN PLAN TYPES?

While shopping for health insurance in Florida, you will see HMO (the most common), EPO and POS plan types.

  • HMO plans are usually the cheapest but the least flexible. Policyholders must receive treatment from facilities and providers within their network (except in emergencies). You’ll also need a primary care provider to grant referrals for seeing specialists.
  • EPO plans are similar to HMOs as coverage for health care services must be sought from in-network providers. However, EPOs often have wider provider networks and may not require referrals for seeing a specialist.
  • POS plans are the most flexible — obtaining health care services from providers outside your network simply comes at a higher cost than in-network providers.

Cheapest Health Insurance in Florida by County

Some plan types are not widespread across Florida and may be unavailable within your location. The cheapest plan in one county may not be the cheapest in another.

For example, compare the average monthly premiums for the cheapest Silver plan in Florida’s largest county, Miami-Dade, and its smallest county, Liberty:

  • Miami-Dade County: MyBlue Connected Care Silver 2332 ($462 per month)
  • Liberty County: Capital Health Plan HMO Silver 2300 ($513 per month)

You can use the table below to browse Silver plan options in your county.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Aetna

$424

$8,900

Silver S: Aetna network of doctors & hospitals + $0 walk-in & telemedicine via MinuteClinic at CVS

Capital Health

$438

$8,900

Capital Health Plan HMO Silver 2300

Aetna

$439

$8,900

Silver S: Aetna network of doctors & hospitals + $0 walk-in & telemedicine via MinuteClinic at CVS

Blue Cross Blue Shield

$440

$8,000

myBlue Connected Care Silver 2332

Ambetter

$440

$8,900

CMS Standard Silver VALUE

Ambetter

$440

$5,400

Clear VALUE Silver

Ambetter

$442

$8,900

CMS Standard Silver VALUE

Ambetter

$442

$5,400

Clear VALUE Silver

Ambetter

$443

$7,400

Ambetter Virtual Access Silver - Virtual PCP selection required

Aetna

$444

$8,850

Silver 3: Aetna network of doctors & hospitals + $0 walk-in & telemedicine via MinuteClinic at CVS

Health Insurance Costs in Florida by Age and Metal Tier

Health insurance premiums also vary based on age and metal tier. See, for example, how metal level impacts the average monthly premium for a 40-year-old in Florida:

  • Bronze: $888
  • Catastrophic: $1,000
  • Expanded Bronze: $1,418
  • Silver: $1,713
  • Gold: $1,909
  • Platinum: $2,738

Costs also increase as the policyholder ages. For example, a Silver plan in Florida costs $1,224 per month on average for young adults, $1,713 for middle-aged adults and $3,638 for seniors.

Health Insurance Costs in Florida by Age and Metal Tier

What to Know About Florida Health Insurance

MoneyGeek obtained data from private health insurance plans to find the cheapest health insurance in Florida. Interested buyers can browse these plans within the open enrollment period and select the plan that best suits their coverage levels and needs.

Florida residents may also check if they are eligible for cheaper government-supported health insurance programs, such as Medicaid and Medicare. Medicaid is available to low-income individuals, while Medicare is for seniors or those with a disability.

Private Health Insurance in the Florida Marketplace

The open enrollment period for private insurance plans is usually from November 1 to January 15. This period refers to the time frame given to buyers to obtain health insurance from the marketplace.

Note that December 15, 2023, will be the last day to enroll for coverage that begins on January 1, 2024. Early enrollment also gives you more time to adjust your plan before the period expires.

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WHAT IF YOU MISS OPEN ENROLLMENT?

Eligible Florida residents may also purchase private health insurance during a special enrollment period, which falls outside the open enrollment period.

Qualification for special enrollment is based on events like marriage, relocation, loss of income, childbirth and other similar occurrences. You typically have up to 60 days before or after the event to apply for or modify your health insurance.

What Are Health Insurance Metal Tiers?

Health insurance plans in Florida are divided into several metal tiers: Bronze, Expanded Bronze, Silver, Gold and Platinum. The less valuable the metal, the lower the monthly premium and the higher the deductible.

  • Bronze: Lower premiums with higher deductibles. These plans are best for relatively healthy individuals who anticipate less frequent doctor and specialist visits. Not recommended for those with chronic health conditions.
  • Expanded Bronze: Slightly more cost-sharing than Bronze plans but still less than Silver plans.
  • Silver: The most popular option with moderate premiums and MOOP costs. A major advantage of Silver plans is the potential to cut down on your copay, co-insurance and deductible with cost-sharing reductions.
  • Gold: Higher premiums than Silver and Bronze plans, but you will pay less out of pocket if you receive frequent care.
  • Platinum: The highest metal tier. Although you’ll pay a hefty premium each month, nearly all other health care services will be covered. Best for individuals looking for stellar coverage.

Catastrophic plans (i.e., worst-case-scenario coverage) are also available to qualifying individuals, usually under 30 years old or with a hardship exemption. These plans tend to have the most affordable premiums but the highest MOOP costs.

Medicaid in Florida

Medicaid is a government program that provides free or low-cost medical coverage to qualifying individuals based on income.

In Florida, income is just one determinant of eligibility for Medicaid. Pregnant women, people with disabilities and children of low-income parents or guardians may also qualify.

Medicare in Florida

Medicare is another government-sponsored health care program that is significantly cheaper than marketplace plans. It is available to Florida residents with a qualifying illness, disability or who are 65 and older.

Medicare has three parts — Part A, B and D — that each cover a specific set of services:

  • Part A is similar to hospital insurance and covers inpatient services, hospice care, home care and services received in any facility with skilled nurses.
  • Part B functions like medical insurance, covering doctor and preventative service fees and outpatient treatment.
  • Part D covers prescription drugs, vaccines and other shots.

MoneyGeek also compiled lists of the best Medicare Advantage and best Medicare Supplement plans in Florida.

Expert Advice: Finding Affordable Health Insurance in Florida

  1. When can I shop for health insurance on the Florida health insurance exchange?
  2. How do I take advantage of cost-sharing reductions and tax credits for health insurance in Florida?
Patricia Born
Patricia Born

Professor at Florida State University

Florida Health Insurance FAQs

When shopping for affordable health insurance in Florida, you may have questions about the cost and availability of different plan options. MoneyGeek has the answers to those commonly asked questions below.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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