Dede Kennedy-Simington, an insurance agent in Pasadena, Calif., was "totally dismayed" when she learned recently that the premium on her family's Blue Shield PPO would rise $391 a month next year — driven largely by huge increases for her two teenage children.

The cost of insuring her 16-year-old daughter will spike 60 percent in 2018, and it will jump 38 percent for her 13-year-old son.

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