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Associated Press
In this Thursday, Feb. 7, 2013 photo, Doug Bartel, Director of Business Development, conducts a seminar for small business owners pertaining to the coming changes in insurance, in the Sunrise, Fla. sales office.  Some Americans could see their insurance costs double this year as the U.S. health care overhaul expands coverage to millions of people. (AP Photo/J Pat Carter)

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