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Obama's tarnished health care law at a crossroads

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WASHINGTON (AP) — All things good, bad and unpredictable converge with the new year for President Barack Obama's health care overhaul as the law's major benefits take effect, along with an unpopular insurance mandate and a risk of more nerve-wracking disruptions to coverage. The changes bring big improvements for some, including Howard Kraft of Lincolnton, N.C. A painful spinal problem left him...

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