Many Americans are shopping around for affordable options as the cost of health insurance soars. But some who hope to keep the same doctors and medications face a thicket of red tape and disruption after they switch plans.

A Florida man thought he had carefully planned for a seamless switch between health plans. It was anything but.

Many Americans are shopping around for affordable options as the cost of health insurance soars. But some who hope to keep the same doctors and medications face a thicket of red…