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Obamacare is in trouble, and its problems are poised to disrupt the 2016 presidential race.

Not only will the law's mounting problems play a role in both the Democratic and Republican primaries, but complications surrounding the law are likely to explode into the public view next summer, just as the general election is beginning.

As with anything related to healthcare policy, the issues facing Obamacare are complex. But the simplest way of describing what's going on is: Not enough young and healthy individuals have been signing up for coverage to offset the costs of covering older and sicker patients with expensive medical claims.

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