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FILE - In this Dec. 11, 2013, file photo, Health and Human Services Secretary Kathleen Sebelius testifies on Capitol Hill in Washington. There's another quirk to the Obama administration's new health insurance system: it lacks a way for consumers to quickly and easily update their coverage for the birth of a baby and other common life changes. It's a reminder that the new coverage for many uninsured Americans comes with a third party in the mix: the feds. And the system's wiring for some vital federal functions isn't yet fully connected. (AP Photo/Susan Walsh, File)