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Nancy Berry, a Michigan navigator, helps a consumer. (AP photo/Carlos Osorio)

Husbands in Houston can help their wives, parents and grandparents use the public exchange without any special training.

But people in Dallas who want to help their great-great-grandparents – or first cousins, great aunts or fellow Masonic lodge members – tackle HealthCare.gov might need to get 20 hours of training and endure a background check.

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