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Three Affordable Care Act were supposed to keep unexpected flows of risk from drowning the individual market. (Photo: Ekaterina Shvaygert/Thinkstock)

The Affordable Care Act helped insurers increase individual major medical enrollment to 10.9 million in 2014, from 7.9 million in 2010.

But about 2.3 million of the 3 million additional enrollees covered in 2014 had either a major health problem, such as cancer, or a serious but less severe health problem, such as high blood pressure or depression.

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