FILE - In this Wednesday, Dec. 11, 2013, file photo, Rosemary Cabelo uses a computer at a public library to access the Affordable Health Care Act website in San Antonio. For many Americans, problems with the government’s main health care website carry a bigger risk than frequent crashes, as higher premiums could follow if technical troubles scare off young customers crucial to the overhaul’s insurance coverage expansions. (AP Photo/Eric Gay, File)Problems with the government's primary health care overhaul web site carry an even bigger risk than normal crashes: Better costs might observe for a lot of Americans if technical troubles scare off younger people.