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This handout photo provided by the Brookings Institution, and taken on June 25, 2013, shows Health and Human Services Director of the Center for Consumer Information and Insurance Oversight Gary Cohen speaking at the Institution in Washington. Health insurance sign-ups under President Barack Obama’s law have skewed toward an older, costlier crowd. "We think that more and more young people are going to sign up as time goes by," said Cohen. (AP Photo/Brookings Institution, Paul Morigi)

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