The White House decided under intense political pressure in late 2013 to let people with substandard plans keep that coverage instead of forcing them to enter the marketplace and buy plans that met Obamacare's standards. The about-face was an attempt to fulfill Mr. Obama's promise that people who liked their plans could keep them under his signature law. The result was hundreds of thousands of low-risk customers who stayed with their plans. Meanwhile, customers with higher health risks switched to co-op plans, unleashing a tide of claims. (Associated Press)
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