http://www.cbsnews.com/news/obamacare-2015-higher-costs-higher-penalties/
http://www.cbsnews.com/news/obamacare-2015-higher-costs-higher-penalties/Obamacare 2015: Higher costs, higher penaltieswww.cbsnews.comAs the federal health care program enters its second year, some Americans may face higher costs and unwanted surprises