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New year means new challenges for health care law
Howard Kraft discusses signing up for health insurance as he sits in his Lincolnton, N.C. home Monday, Dec. 30, 2013. All things good, bad and unpredictable converge Jan. 1 for President Barack Obamas health care overhaul as the laws major benefits take effect, along with an unpopular insurance mandate and a real risk of more nerve-wracking disruptions to coverage. For some, the changes bring big improvements, including Kraft. A painful spinal problem left him unable to work as a hotel bellman. But hes got coverage because federal law now forbids insurers from turning away people with health problems. I am not one of these people getting a policy because Im being made to, Kraft said. I need one to stay alive.(AP Photo/Nell Redmond)

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