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Republicans say the only solution is to repeal Obamacare outright with a Republican president in 2017, clearing the decks for their own, yet-to-be-determined plan.

Timothy Jost, a law professor at Washington and Lee University who closely tracks the health care law, said exchange customers should get better at estimating their income over time, and 2014 might have been an aberrant year as customers had a difficult time logging onto balky Web systems to update their income status.

“We’re going to get a closer fix on what people actually owe,” he said.

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