Cora Vay, right, a customer service representative, explains a health insurance plan to Michael Carradine, second from left, who came with his mother, Natividad Martin, left, to sign up for health care, Monday, March 31, 2014, in Sacramento, Calif. Carradine, 20, a student at California State University, Sacramento, was one of the dozens who came to a registration site hosted by the Service Employees International Union-United Healthcare Workers, to sign up for health coverage ahead of Monday's midnight enrollment deadline. (AP Photo/Rich Pedroncelli)
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