Rick and Letha Heitman, of Centennial, Colo., bought their health plan in 2015 through Colorado HealthOP, an insurance cooperative that will close at the end of the year. HealthOp's CEO says the co-op was "blindsided" when some promised federal subsidies failed to materialize. John Daley/CPR News hide caption

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Many Health Co-Ops Fold, Others Survive Startup Struggles
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Aetna announced one of its largest pay hikes recently. CEO Mark Bertolini says he believes it largely could pay for itself by making workers more productive. Courtesy of Aetna hide caption

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Health Insurer Aetna Raises Wages For Lowest-Paid Workers To $16 An Hour
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Lori Lomas, an insurance agent with Feather Financial in Quincy, Calif., has noticed that her clients in San Francisco have many more health carrier options than her mountain neighbors. Pauline Bartolone for KXJZ hide caption

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Insurance Choices Dwindle In Rural California As Blue Shield Pulls Back
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Insurance companies negotiate with hospitals and doctors the price of every treatment, procedure and medical service. That price differs from hospital to hospital — even health plan to health plan. Vincent Wartner/Science Source hide caption

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They Paid How Much? How Negotiated Deals Hide Health Care's Cost
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Maritza Martinez worked with an insurance agent at a kiosk in a Miami mall to find the right health insurance plan for 2014. Joe Raedle/Getty Images hide caption

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Lessons Learned For 2015 From This Year's Obamacare Sign-Ups
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