Students Amanda McComas, Rose Marie Chute and Sari Schwartz are approached in October at Santa Monica City College in California about signing up for insurance with the Affordable Care Act. Robyn Beck/AFP/Getty Images hide caption

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"I apologize," Health and Human Services Secretary Kathleen Sebelius said Wednesday at a congressional hearing on problems with HealthCare.gov. J. Scott Applewhite/AP hide caption

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Many people who buy their own health insurance are being told their policieswill be canceled. New coverage may cost more and sometimes less, but it can't be denied because or pre-existing conditions. iStockphoto.com hide caption

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Despite major problems with health exchanges, a few people have been able to sign up for insurance. iStockphoto.com hide caption

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Patrick Lamanske, of Champaign, Ill., works with Amanda Ziemnisky (right), of the Champaign Urbana Public Health District, to try to sign up his wife, Ping, for health coverage through the Affordable Care Act on Oct. 1. David Mercer/AP hide caption

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Protesters fill the Miami office of state Rep. Manny Diaz Jr. on Sept. 20 to protest his stance against expansion of health coverage in Florida. Joe Raedle/Getty Images hide caption

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Independent online insurance brokers, like eHealth, haven't yet been able to sell subsidized health insurance policies. eHealthInsurance.com hide caption

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Susan and Jack Cooper of Richardson, Texas, demonstrate against the government shutdown in Dallas this month. Tony Gutierrez/AP hide caption

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Maryland's Evergreen Health Co-op will eventually be owned by its policyholders. For now, the co-op is scrambling to find customers after the state's online health exchange got off to a rocky start. iStockphoto.com hide caption

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Edward Avalos, one of the first certified enrollment specialists in California, is a very busy man. Sarah Varney/Kaiser Health News hide caption

itoggle caption Sarah Varney/Kaiser Health News