FILE - This Nov. 12, 2014 file photo shows the HealthCare.gov website, where people can buy health insurance, on a laptop screen, shown in Portland, Ore. Consumers in most places will see their health insurance premiums go up next year for popular plans under President Barack Obama’s health care law. But it will take time to get to a bottom line for family finances, let alone the larger political battle over the program’s future. For many people, government subsidies will cushion the hit. And there’s a new factor: returning customers who are savvy about health insurance and unafraid to shop for a better deal. (AP Photo/Don Ryan)
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