FILE - In this March 31, 2014 file photo, Michelle Decker, left, an employee of Connect For Health Colorado, the state's health care exchange, explains options and procedures to a walk in client signing up for insurance on the last day before fines are imposed, in Denver. Colorado's state-run health insurance exchange has some new features to debut when 2015 open enrollment starts Saturday, Nov. 15, 2014. Connect For Health Colorado has avoided many of the software headaches that plagued state and federal exchanges last year, but officials are touting some new enhancements to the website to make signing up easier (AP Photo/Brennan Linsley)
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