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College student Francois Louis, 20, can’t remember the last time he went to the doctor. (AP Photo/Wilfredo Lee)

MIAMI — Dan Lopez rarely gets sick and hasn’t been to a doctor in 10 years, so buying health insurance feels like a waste of money.

Even after the federal health overhaul takes full effect next year, the 24-year-old said he will probably decide to pay the $100 penalty for those who skirt the law’s requirement that all Americans purchase coverage.

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