(Bloomberg) -- Americans have more time to pay for their new Obamacare health plans, thanks to the insurance industry. What they don’t have is more time to sign up.

The deadline to enroll in plans that begin Jan. 1 is today for most of the U.S., a cutoff that remains firm even as the Obama administration has urged insurers to allow retroactive sign-ups into next month. The industry also balked at leniency for new customers who go to doctors or refill prescriptions not covered by their plans.

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