Graphic designer Rayna Collins walks into her home in Lincoln, Neb., Friday, Dec. 11, 2015. Rising premiums and shaken faith among insurers have cast a cloud over sign-up season for President Barack Obama's health care law, and now it's crunch time again. Collins switched insurers for 2016 because the company she was with exited the market. Her premium will be just about the same, after subsidies the law provides for private coverage. But her deductible is going from $500 to $2600. (AP Photo/Nati Harnik)
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