This Oct. 15, 2014 file photo, a screen shot shows the home page of HealthCare,gov, a federal government website managed by the U.S. Centers for Medicare & Medicaid Service. President Barack Obama’s health insurance expansion faces the biggest test of its second year on Monday, the deadline to sign up for coverage that starts Jan. 1. Not only are Healthcare.gov and state websites preparing for heavy traffic, but the deadline also is a test of whether millions of current customers understood that they needed to come back and shop to keep their premiums in line.

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