This Oct. 15, 2014 file photo is a screen shot of the home page of HealthCare.gov, a federal government website managed by the U.S. Centers for Medicare & Medicaid Service. Midnight Pacific time, Monday, Dec. 15, 2014, is the deadline for new customers to pick a health plan that will take effect Jan. 1, and for current enrollees to make changes that could reduce premium increases ahead of the new year. (AP Photo/File)

Insurers ease ‘Obamacare’ deadline

America’s Health Insurance Plans says the voluntary steps include a commitment to promptly refund any overpayments by consumers who switched…