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HHS said it revised the way premiums for people under age 21 are calculated to better reflect the cost of medical care for children. (Photo: Shutterstock)

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.

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