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They have little money in savings, half are young, and a third are racial minorities.

They are the 10.5 million people eligible for Obamacare coverage who, two years since enrollment began, still haven't signed up through the insurance marketplaces created for Obamacare.

Experts agree that these will be the hardest people to convince to buy healthcare coverage. They've remained uninsured through two signup seasons, because they don't believe they can afford it, don't think they need it, or haven't heard about it.

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