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When commercial pilot Matt Temme of Castle Rock was furloughed by his employer last June, he lost his health insurance. Temme's wife had coverage through her employer, but adding Temme and his son would have cost $800 a month— an expensive proposition for a family who had just lost a portion of their income. So Temme went looking on the individual market for insurance. He's a healthy 41-year-old. His son is a healthy 6-year-old. "I never imagined I would have a problem," he said.