Griselda Zamora helps Cinthia Orozco sign up for health insurance in Sacramento, Calif. (AP photo/Rich Pedroncelli)

Analysts at the Centers for Medicare & Medicaid Services assumed a year ago that the public exchange system would take in just 4.3 million applications during the 2013-14 open enrollment season.

CMS officials included that estimate in a routine paperwork review filing for exchange helper certification programs. 

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