John Galvin knows he needs a colonoscopy. But he’s waiting to schedule the procedure until December, when he turns 65 and qualifies for Medicare. He was already thinking about delaying it — then his monthly Obamacare insurance premium payment tripled this year to $2,460, about a third of his income, he said. And with a $2,700 deductible, he’d be on the hook for most of the diagnostic exam…

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