Photo by: Andrew Harnik FILE - In this Oct. 6, 2015, file photo, the HealthCare.gov website, where people can buy health insurance, is displayed on a laptop screen in Washington. A study out Wednesday finds that this year's most popular health law plans are raising premiums an average of 15 percent in 2016. You'll have to switch if you don't want to pay more. (AP Photo/Andrew Harnik, File)
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