{"id":42364,"date":"2019-09-18T09:47:04","date_gmt":"2019-09-18T15:47:04","guid":{"rendered":"https:\/\/uat-internal.connectforhealthco.com\/?page_id=42364"},"modified":"2026-10-29T19:35:51","modified_gmt":"2026-10-30T01:35:51","slug":"cuando-puedo-adquirir-un-seguro","status":"publish","type":"page","link":"https:\/\/connectforhealthco.com\/es\/clientes-nuevos\/cuando-puedo-adquirir-un-seguro\/","title":{"rendered":"\u00bfCu\u00e1ndo puedo obtener un seguro?"},"content":{"rendered":"<div class=\"reference-page when-can-i-buy-insurance c4h-redesign c4h-spanish\" lang=\"es\">\n\n<div class=\"desktop-design responsive-fallback\">\n<div data-layout=\"Page Content\" class=\"s0 s1 s2 s3 s4 s5 s6\">\n\n<nav class=\"c4h-2026-breadcrumb\" aria-label=\"Ruta de navegaci&oacute;n\"><ol><li><a href=\"https:\/\/connectforhealthco.com\/es\/\">Inicio<\/a><\/li><li><a href=\"https:\/\/connectforhealthco.com\/es\/clientes-nuevos\/\">Nuevos clientes<\/a><\/li><li aria-current=\"page\">&iquest;Cu&aacute;ndo puedo obtener un seguro?<\/li><\/ol><\/nav>\n\n\n<div data-layout=\"Hero\" class=\"s0 s1 s2 s27 s8 s28 s29 s9 s5 s11 s21\">\n<h1 dir=\"auto\" style=\"font-weight:700\" class=\"s13 s16 s17 s30 s31 s5 s11 s26 s32 s33\">&iquest;Cu&aacute;ndo puedo obtener un seguro?<\/h1>\n\n\n\n<div data-layout=\"When-Can-I-Buy-Insurance-Hero\" style=\"width:var(--hero-photo-width,100%);height:auto;aspect-ratio:1441\/466\" class=\"s34 s5 s11 s35\"><img loading=\"lazy\" decoding=\"async\" class=\"s36 s37 s38 s39 s6\" height=\"466\" width=\"1441\" src=\"https:\/\/connectforhealthco.com\/wp-content\/themes\/Connect-Health-Colorado\/img\/redesign-2026\/1580e.png\" alt=\"Connect for Health Colorado &mdash; When Can I Buy Insurance?\"\/><\/div>\n<\/div>\n\n\n\n<div data-layout=\"Section 1\" class=\"s0 s1 s2 s27 s8 s28 s9 s40 s5 s11 s21\">\n<div data-layout=\"Content Section\" class=\"s13 s0 s1 s2 s17 s41 s8 s5 s11 s21\">\n<h2 dir=\"auto\" style=\"font-weight:700\" class=\"s16 s25 s5 s11 s26 s42 s21\">Obtener un seguro durante el Periodo de Inscripci&oacute;n Abierta.<\/h2>\n\n\n\n<div style=\"font-weight:400\" class=\"s43 s19 s5 s11 s44 s45 s21 s46\">\n<p class=\"s47 s48 wp-block-paragraph\"><span class=\"s49\">La Inscripci&oacute;n Abierta es el per&iacute;odo anual en el que la mayor&iacute;a de las personas de Colorado pueden elegir y cambiar su cobertura de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> para el pr&oacute;ximo a&ntilde;o. La Inscripci&oacute;n Abierta para el a&ntilde;o 2027 (del 1 de enero al 31 de diciembre de 2027) comienza el 1 de noviembre de 2026 y termina el 15 de enero de 2027.<\/span><\/p>\n\n\n\n<p class=\"s49 s47 s48 wp-block-paragraph\">&#8203;<\/p>\n\n\n\n<p class=\"s48 wp-block-paragraph\"><span class=\"s49\">Si obtienes un <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> a m&aacute;s tardar el 15 de diciembre de 2026, tu cobertura iniciar&aacute; el 1 de enero de 2027. Si lo compras entre el 16 de diciembre de 2026 y el 15 de enero de 2027, tu cobertura iniciar&aacute; el 1 de febrero de 2027.<\/span><\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-layout=\"Call-out Box\" class=\"s0 s1 s2 s41 s8 s5 s11 s21\">\n<div data-layout=\"Highlight Banner 1.1\" class=\"s52 s0 s1 s2 s41 s3 s53 s54 s5 s11 s55\">\n<h3 style=\"font-weight:700\" class=\"s13 s16 s17 s25 s31 s5 s11 s45 s56 s57 s33\">La Inscripci&oacute;n Abierta para la Cobertura de 2027 ya est&aacute; Disponible.<\/h3>\n\n\n\n<div style=\"font-weight:700\" class=\"s13 s58 s17 s19 s31 s5 s11 s45 s59 s57 s33 s46\">\n<p class=\"s49 s47 wp-block-paragraph\">La mayor&iacute;a de las personas de Colorado pueden obtener un <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> a trav&eacute;s de Connect for Health Colorado en este momento. Si ya est&aacute;s listo para explorar tus opciones e inscribirte en un <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> para 2027, utiliza uno de los siguientes enlaces:<\/p>\n\n\n\n<p class=\"s49 s48 wp-block-paragraph\">&#8203;<\/p>\n<\/div>\n\n\n\n<div data-layout=\"Button Set\" class=\"s0 s1 s60 s8 s5 s11\"><a data-layout=\"Buttons | 2026\" class=\"s61 s0 s1 s3 s23 s53 s62 s5 s63 s11\" href=\"https:\/\/connectforhealthco.com\/es\/clientes-nuevos\/\"><span class=\"s25\">Nuevos clientes &ndash; Lista de verificaci&oacute;n para la inscripci&oacute;n<\/span><\/a>\n\n<a data-layout=\"Buttons | 2026\" class=\"s66 s0 s1 s3 s23 s53 s62 s5 s63 s11\" href=\"https:\/\/prd.connectforhealthco.com\/login-portal\/login\/individuals?lang=es\"><span class=\"s25\">Clientes actuales &ndash; Inicia sesi&oacute;n para explorar planes<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-layout=\"Divider\" class=\"s67 s5 s11 s55\">\n<div class=\"s36 s68\"><img decoding=\"async\" class=\"s37 s39 s6\" src=\"https:\/\/connectforhealthco.com\/wp-content\/themes\/Connect-Health-Colorado\/img\/redesign-2026\/ae1e4.svg\" alt=\"\"\/><\/div>\n<\/div>\n\n\n\n<div data-layout=\"Section 2\" class=\"s0 s1 s2 s27 s8 s28 s9 s40 s5 s11 s21\">\n<h2 dir=\"auto\" style=\"font-weight:700\" class=\"s13 s16 s17 s25 s5 s11 s26 s42 s21\">&iquest;C&oacute;mo obtener un seguro de salud fuera del Per&iacute;odo de Inscripci&oacute;n Abierta?<\/h2>\n\n\n\n<div data-layout=\"Content Block\" class=\"s13 s0 s1 s2 s17 s41 s8 s5 s11 s21\">\n<h3 dir=\"auto\" style=\"font-weight:700\" class=\"s16 s25 s5 s11 s26 s56 s21\">Obtener un seguro durante el Per&iacute;odo Especial de Inscripci&oacute;n<\/h3>\n\n\n\n<div style=\"font-weight:400\" class=\"s43 s19 s5 s11 s44 s45 s21 s46\">\n<p class=\"s47 s48 wp-block-paragraph\"><span class=\"s49\">En caso de que no puedas comprar un <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> para 2027 durante la inscripci&oacute;n abierta, probablemente necesitar&aacute;s calificar para un Periodo Especial de Inscripci&oacute;n. Un Per&iacute;odo Especial de Inscripci&oacute;n puede ocurrir en cualquier momento del a&ntilde;o. Generalmente dura 60 d&iacute;as y comienza cuando experimentas un evento de vida elegible. Estos eventos son cambios importantes, como mudarte, casarte, tener un hijo o perder el seguro<\/span> <span class=\"s49\">de salud del trabajo (proporcionado por tu empleador). (Consulta la lista de eventos de vida elegible a continuaci&oacute;n.)<\/span><\/p>\n\n\n\n<p class=\"s49 s47 s48 wp-block-paragraph\">&#8203;<\/p>\n\n\n\n<p class=\"s49 s48 wp-block-paragraph\">Si ya cuentas con <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span>, un cambio importante en tu vida puede implicar la necesidad de hacer ajustes en tu plan, esto pasa en un Periodo Especial de Inscripci&oacute;n.<\/p>\n<\/div>\n\n\n\n<p dir=\"auto\" style=\"font-weight:700\" class=\"s16 s25 s5 s11 s26 s65 s21 wp-block-paragraph\">Los eventos de vida elegible incluyen, entre otros:<\/p>\n<\/div>\n\n\n\n<div data-layout=\"2 Col\" class=\"s0 s1 s27 s8 s5 s11 s21\">\n<div data-layout=\"Accordion Set\" class=\"s0 s1 s69 s2 s70 s8 s71 s5\"><details class=\"c4h-2026-accordion\" open data-c4h-open><summary class=\"c4h-accordion-summary\"><span>Adiciones o cambios <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>familia<\/span>res<\/span><span class=\"c4h-accordion-arrow\" aria-hidden=\"true\"><\/span><\/summary><div class=\"c4h-accordion-body\"><ul>\n<li>Nacimiento de un beb&eacute;, adopci&oacute;n o colocaci&oacute;n de un menor en acogimiento <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>familia<\/span>r.<\/li>\n<li>Confirmaci&oacute;n del embarazo por parte de un profesional de la salud.<\/li>\n<li>Matrimonio o divorcio.<\/li>\n<li>Fallecimiento de un miembro del hogar inscrito en un plan adquirido a trav&eacute;s de Connect for Health Colorado.<\/li>\n<\/ul>\n<\/div><\/details>\n\n<details class=\"c4h-2026-accordion\" open data-c4h-open><summary class=\"c4h-accordion-summary\"><span>P&eacute;rdida de cobertura de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span><\/span><span class=\"c4h-accordion-arrow\" aria-hidden=\"true\"><\/span><\/summary><div class=\"c4h-accordion-body\"><ul>\n<li>P&eacute;rdida del <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> proporcionado por tu empleador.<\/li>\n<li>P&eacute;rdida de la elegibilidad para Health First Colorado (el programa de <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Medicaid<\/span> de Colorado).<\/li>\n<li>P&eacute;rdida de la elegibilidad para la Secci&oacute;n A de <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Medicare<\/span>.<\/li>\n<li>Cumples 26 a&ntilde;os y lleg&oacute; a su fin el plan de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> de tus padres.<\/li>\n<li>Fin de la cobertura de tu plan de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> para estudiantes.<\/li>\n<li>P&eacute;rdida del subsidio de <a href=\"https:\/\/www.dol.gov\/general\/topic\/health-plans\/cobra\">COBRA<\/a><\/li>\n<\/ul>\n<\/div><\/details>\n\n<details class=\"c4h-2026-accordion\" open data-c4h-open><summary class=\"c4h-accordion-summary\"><span>Mudanza o cambio de residencia Permanente<\/span><span class=\"c4h-accordion-arrow\" aria-hidden=\"true\"><\/span><\/summary><div class=\"c4h-accordion-body\"><ul>\n<li>Te mudaste a Colorado.<\/li>\n<li>Cambiaste tu residencia permanente (se aplican ciertas condiciones).<\/li>\n<li>Fuiste liberado de una instituci&oacute;n penitenciaria.<\/li>\n<li>Obtuviste un estatus migratorio que te permite residir legalmente en los Estados Unidos de acuerdo con las leyes federales de inmigraci&oacute;n.<\/li>\n<\/ul>\n<\/div><\/details>\n\n<details class=\"c4h-2026-accordion\" open data-c4h-open><summary class=\"c4h-accordion-summary\"><span>Cambios en tus ingresos (para clientes actuales)<\/span><span class=\"c4h-accordion-arrow\" aria-hidden=\"true\"><\/span><\/summary><div class=\"c4h-accordion-body\"><ul>\n<li>Cambios en tus ingresos que modifican el monto de las Reducciones de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Costos Compartidos<\/span> a las que calificas (lo que se traduce en menores gastos de bolsillo)<\/li>\n<li>Cambios en tus ingresos que te permiten calificar por primera vez para el Cr&eacute;dito Tributario para <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Prima<\/span>s (lo que reduce tus costos mensuales)<\/li>\n<li>Cambios en tus ingresos que hacen que dejes de calificar para el Cr&eacute;dito Tributario para <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Prima<\/span>s (lo que aumenta tus costos mensuales)<\/li>\n<\/ul>\n<\/div><\/details><\/div>\n\n\n\n<div data-layout=\"Feature Box 1.1\" class=\"s93 s0 s1 s2 s8 s5 s11 s94\">\n<div data-layout=\"Feature Text\" class=\"s13 s52 s74 s75 s95 s0 s1 s2 s70 s8 s96 s5 s11 s45 s21\">\n<p style=\"font-weight:700\" class=\"s16 s17 s25 s5 s11 s65 s21 wp-block-paragraph\">Consejos para el Periodo Especial de Inscripci&oacute;n:<\/p>\n\n\n\n<ul style=\"font-weight:400\" class=\"s37 s43 s86 s19 s87 s5 s11 s44 s21\">\n<li class=\"s49 s47 s97 s98\"><span class=\"s13 s50 s51\">Reporta los cambios en tu hogar a Connect for Health Colorado: Aseg&uacute;rate de reportar Cualquier cambio en el tama&ntilde;o de tu hogar, ingresos o domicilio dentro de los 30 d&iacute;as posteriores al cambio. Te avisaremos si calificas para un Per&iacute;odo Especial de Inscripci&oacute;n poco despu&eacute;s de que env&iacute;es tu solicitud.<\/span><\/li>\n\n\n\n<li class=\"s49 s97 s98\"><span class=\"s13 s50 s51\"><a href=\"https:\/\/c4-media.s3.amazonaws.com\/wp-content\/uploads\/2022\/02\/08122436\/SEP-Verification-Guidance-2.2.22.pdf\">Documenta tu evento de vida elegible: Despu&eacute;s de que te inscribas en un plan durante tu Per&iacute;odo de Inscripci&oacute;n, tu compa&ntilde;&iacute;a de seguro de salud puede pedirte una prueba de ese cambio. Aqu&iacute; te explicamos c&oacute;mo verificar si cumples los requisitos para un Per&iacute;odo de Inscripci&oacute;n.<\/a><\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"s13 s0 s1 s2 s17 s41 s8 s5 s11 s21\">\n<h3 dir=\"auto\" style=\"font-weight:700\" class=\"s16 s25 s5 s11 s26 s56 s21\">Inscripci&oacute;n durante la temporada de impuestos<\/h3>\n\n\n\n<p style=\"font-weight:400\" class=\"s43 s19 s5 s11 s44 s45 s21 wp-block-paragraph\"><span class=\"s49 s48\">Puedes conectarte con opciones de <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> gratuito o de bajo costo y podr&iacute;as calificar para un Per&iacute;odo Especial de Inscripci&oacute;n al marcar una casilla y enviar los <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">formulario<\/span>s requeridos al presentar tu declaraci&oacute;n de impuestos estatales de Colorado antes del 15 de abril. <a href=\"https:\/\/connectforhealthco.com\/es\/recursos\/como-funciona-el-programa-de-inscripcion-para-la-declaracion-de-impuestos\/\">Obt&eacute;n m&aacute;s informaci&oacute;n sobre la inscripci&oacute;n durante la temporada de impuestos aqu&iacute;<\/a>.<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"s13 s0 s1 s2 s17 s41 s8 s5 s11 s21\">\n<h3 dir=\"auto\" style=\"font-weight:700\" class=\"s16 s25 s5 s11 s26 s56 s21\">Inscripci&oacute;n durante todo el a&ntilde;o como miembro de una tribu reconocida a nivel federal<\/h3>\n\n\n\n<p style=\"font-weight:400\" class=\"s43 s19 s5 s11 s44 s45 s21 wp-block-paragraph\"><span class=\"s49 s48\">Los miembros de tribus nativas americanas reconocidas a nivel federal pueden inscribirse en un <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> durante todo el a&ntilde;o. <a href=\"https:\/\/connectforhealthco.com\/es\/clientes-nuevos\/grupos-de-inscripcion-especial\/indigenas-norteamericanos\/\">Obt&eacute;n m&aacute;s informaci&oacute;n aqu&iacute;<\/a>.<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"s13 s0 s1 s2 s17 s41 s8 s5 s11 s21\">\n<h3 dir=\"auto\" style=\"font-weight:700\" class=\"s16 s25 s5 s11 s26 s56 s21\">Inscripci&oacute;n durante todo el a&ntilde;o a trav&eacute;s de Health First Colorado o CHP+<\/h3>\n\n\n\n<p style=\"font-weight:400\" class=\"s43 s19 s5 s11 s44 s45 s21 wp-block-paragraph\"><span class=\"s49 s48\">Si cumples con ciertos requisitos mensuales, podr&iacute;as ser elegible para recibir un <span class=\"\" data-mobile-support=\"0\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">seguro de salud<\/span> a trav&eacute;s de Health First Colorado (el programa de <span class=\"\"  data-mobile-support=\"0\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex='0' role='link'>Medicaid<\/span> de Colorado) o el programa Child Health Plan Plus (CHP+). <a href=\"https:\/\/connectforhealthco.com\/es\/recursos\/introduccion-al-seguro-de-salud\/health-first-colorado\/\">Obt&eacute;n m&aacute;s informaci&oacute;n sobre estos programas aqu&iacute;<\/a>.<\/span><\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-layout=\"CTA Box 1.1\" class=\"s72 s0 s1 s2 s27 s99 s3 s23 s4 s100 s101 s5 s11 s55\">\n<div data-layout=\"Text\" style=\"font-weight:700\" class=\"s13 s0 s1 s2 s16 s17 s60 s8 s25 s5 s11 s57 s21\">\n<h2 class=\"s5 s11 s42 s102 s21\">Ayuda gratuita de especialistas para la inscripci&oacute;n en un seguro de salud<\/h2>\n\n\n\n<h4 class=\"s5 s11 s64 s103 s21\">Estamos aqu&iacute; para apoyarte en cada etapa del proceso. Sin importar cu&aacute;ndo te inscribas, durante el Per&iacute;odo de Inscripci&oacute;n Abierta, un Per&iacute;odo Especial de Inscripci&oacute;n, un per&iacute;odo de inscripci&oacute;n disponible durante todo el a&ntilde;o o mediante uno de nuestros programas asociados, nuestros especialistas est&aacute;n listos para ofrecerte orientaci&oacute;n personalizada y apoyo sin costo.<\/h4>\n<\/div>\n\n\n\n<div data-layout=\"Button Set\" class=\"s0 s1 s2 s8 s5 s11\"><a data-layout=\"Buttons | 2026\" class=\"s66 s0 s1 s3 s23 s104 s79 s5 s63 s11\" href=\"https:\/\/connectforhealthco.com\/es\/recibe-orientacion-de-especialistas\/\"><span class=\"s50 s25 s51 s105\">Programa una cita hoy mismo.<\/span><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":36,"featured_media":57717,"parent":42317,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/landing-page-one.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-42364","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfCu\u00e1ndo puedo obtener un seguro? 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