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Keith Saunders, left, a certified Cover California insurance agent, explains a health insurance plan to Mark Tammes at a registration site hosted by Service Employees International Union-United Healthcare Workers, Monday, March 31, 2014, in Sacramento, Calif. (AP Photo/Rich Pedroncelli) ** FILE **

Keith Saunders, left, a certified Cover California insurance agent, explains a health insurance plan to Mark Tammes at a registration site hosted by Service Employees International Union-United Healthcare Workers, Monday, March 31, 2014, in Sacramento, Calif. (AP Photo/Rich Pedroncelli) ** FILE **

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