WASHINGTON (AP) — With a bright look to its rebuilt website, version 2.0 of President Barack Obama’s health insurance overhaul represents another chance to win over a skeptical public.

But more than possible computer woes lurk as HealthCare.gov’s second open enrollment season begins Nov. 15.

The risks include an unproven system for those renewing coverage and a tax hit that could sting millions of people. Those tax issues are the result of complications between the health care law and income taxes, and they will emerge during next year’s filing season.

“Things will not be perfect,” said Health and Human Services Secretary Sylvia M. Burwell, trying to set expectations. “We are aiming for a strong consumer experience, and it will be better.”

The Obama administration cannot afford to repeat last year’s online meltdown. Congress will be entirely in Republican hands in 2015, and GOP lawmakers will be itching to build the case for repeal. The Supreme Court’s decision Friday to hear another challenge to the law is also casting a shadow.

The health insurance exchanges offer taxpayer-subsidized private coverage to people who do not have access on the job. HealthCare.gov will serve 37 states, while the rest run their own markets.

This new sign-up period will be the first time that renewal has been tried for current customers, and also overlaps with the first tax-filing season that the law’s requirements are in effect.

On the plus side, premium increases are expected to be modest in many, though not all, states. New insurers have come into the market, promoting competition, and regulators now take a close look at anything above a 10 percent increase.

The online application for most new customers is down to 16 screens from 76. Website security is better, thanks to aggressive monitoring. The government and insurers have added call center staff.

The administration had said last week that consumers would be able to get an early peek at 2015 plans and premiums this weekend. It looked like that early goal was slipping. Officials said Sunday that window shopping would be available overnight, without giving a specific time.

This year, the bar will be higher.

The Congressional Budget Office has projected that 13 million people will be covered through federal and state insurance markets in 2015. That means retaining most of the 7 million people now covered and adding 6 million more. Many are skeptics who sat out last year’s campaign.

One potential motivator: The law’s tax penalty for remaining uninsured is rising, to a minimum of $325 for 2015.

“We have some momentum built up,” said Rachel Klein, enrollment strategist for Families USA, an advocacy group supporting the law. “We can build on that, but it is a somewhat higher bar to find all the people we need to help, because by definition, they are harder to reach.”

An Associated Press-GfK poll found that 31 percent of those questioned expect the health insurance exchanges to work better, while 49 percent think they will work about the same. Also, 18 percent expect version 2.0 to be worse.

Some of the potential enrollment pitfalls:

—For those already signed up, coverage will renew automatically if you do nothing. Sounds good, but maybe not. You could miss out on lower premium options and get stuck with an outdated and possibly incorrect subsidy. Shop around, but don’t dally. You have until Dec. 15 to update your income information or change plans if you want to have everything in place by Jan. 1.

—New customers, be advised: The Nov. 15-Feb. 15 open enrollment is half as long as last time, and it overlaps with the holidays. Try to get familiar with some of the basic health insurance trade-offs. A low-premium silver or bronze plan may not make sense if you’ll wind up with high out-of-pocket costs for the deductible and copayments. In that case, you might be better off going for the gold.

Some of the tax complications lurking:

—Most current customers are getting a tax credit to help with premiums. Those subsidies are tied to income, so you’ll have to file new forms with your 2014 taxes to prove you got the right amount. Too much subsidy and your tax refund will get dinged. Too little, and the government owes you. It’s bound to cause anxiety because many people depend on their tax refunds to pay bills.

—If you remained uninsured in 2014, you risk a penalty that will be deducted from your tax refund. It starts at $95 for those uninsured all year. Millions of people may qualify for penalty waivers, but getting exemptions could be an ordeal. Some appear simple, but for others you’ll have to mail in an application and supporting documents.

Melissa Dresler of Lexington, Kentucky, said she’s lucky that she got covered, but she also learned some lessons that should make her a better shopper this year. The climate change researcher unexpectedly found herself in need of a delicate operation. She woke up one day and something was wrong with her right eye. It turned out to be a detached retina.

Her surgery cost well into five figures, and she paid about $1,000. The problem came when she had to go out-of-network because of a complication. To keep premiums in check, many plans restrict a patient’s choice. The follow-up corrective surgery cost her about $6,000.

“I may gripe once in a while, but I am so happy with Obamacare,” said Dresler. “I feel so lucky I was covered.”

She adds: “If I had known that I was going to have a major emergency then I would have certainly invested more in a better plan.”

AP-GfK Poll: Americans go to polls against backdrop of an uneven economy

By CHRISTOPHER S. RUGABER

WASHINGTON (AP) — The U.S. economy is lifting job growth and wages but not voters’ spirits.

Americans are choosing a president against a backdrop of slow but steady growth that has managed to restore the economy from the crushing setback of the Great Recession. The government’s October jobs report , released Friday, showed that hiring remains solid, with 161,000 jobs added. The unemployment rate is a low 4.9 percent.

Yet the recovery, the slowest since World War II, has left many Americans feeling left behind, especially those who lack high skills or education or who live outside major population centers.

“The (typical) U.S. household is in a much better spot than they were eight years ago,” said Mark Zandi, chief economist at Moody’s Analytics. “But it hasn’t been a great decade for anyone either. You’ve still got a big chunk of the population who feels this hasn’t worked for them.”

The economy’s weak spots are a top concern for a majority of voters, who say the U.S. economy is in poor shape, according to an Associated Press-GfK poll. At the same time, they say their own personal finances are good.

Fifty-three percent of voters say the economy is “poor,” while 46 percent say “good,” according to the poll, conducted Oct. 20-24. Yet 65 percent say their own finances are good, versus 34 percent who rate them poor.

Seventy-three percent of Hillary Clinton supporters say that economy is good; just 16 percent of Donald Trump supporters say so.

And while 60 percent of whites say the economy is poor, 60 percent of nonwhites call it good. Yet whites and nonwhites are about equally likely to say their own personal finances are good.

Consider 73-year-old Charles Muller, who lives outside Trenton, New Jersey, and describes his personal finances as fine. He has a pension from 26 years as a state employee and receives Social Security.

But the broader economy seems fairly weak to Muller. A friend was laid off during the recession, then earned a teaching certificate, and yet still can’t find a full-time teaching job. And a friend’s daughter who recently graduated from college is stuck as an assistant manager of a dollar store.

“I know a lot of people who are struggling and have been unable to find jobs commensurate with their education levels,” Muller said. He is supporting Trump, though he sees the major presidential nominees as “the two worst candidates I’ve ever been given a choice of.”

Here’s a snapshot of the U.S. economy of the eve of the elections:

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SLOWER BUT STILL-SOLID HIRING

The job market has provide itself resilient.

Employers have added an average of 181,000 jobs a month this year. That’s down from last year’s robust 229,000 average. But it’s nearly double the monthly pace needed to lower the unemployment rate over time. The number of people seeking unemployment benefits is near a 40-year low — evidence that layoffs are scarce and most Americans are enjoying strong job security.

Blake Zalcberg, president of OFM, a furniture manufacturer in Raleigh, North Carolina, hopes to add nine employees to his 58-person company, including graphic artists, photographers and sales staff. He expects sales to grow by a third next year:

“It’s a fairly robust furniture market,” he said.

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PAY FINALLY ACCELERATING

With the unemployment rate down to 4.9 percent from the a peak of 10 percent in 2009, businesses have been forced to compete harder for new employees. That’s giving workers more bargaining power when they seek new jobs and finally boosting pay. Average hourly wages grew 2.8 percent in October from a year earlier — the fastest 12-month pace in seven years. Still, historically speaking, that’s still not great. Wages typically rise at about 3.5 percent each year in a healthy economy.

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CAUTIOUS CONSUMERS

Steady hiring and modest pay increases have emboldened more Americans to buy high-cost items like new cars. Auto sales are running near last year’s record pace of more than 17 million vehicles. Yet caution still reigns: Americans’ spending grew just 2.1 percent in the July-August quarter, down from a much healthier 4.3 percent in the previous three months.

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HOUSING HAS NEARLY RECOVERED

The bursting of the last decade’s housing bubble wiped out trillions in household wealth, cost more than 5 million Americans their homes and triggered the Great Recession. Yet the home market has mostly recovered, with purchase prices just 7 percent below their 2006 peaks. Greater home values have helped many families recoup some of their lost wealth. Sales of existing homes have plateaued this year at a nearly healthy level of about 5.4 million.

Doug Duncan, chief economist at Fannie Mae, foresees sales growth slowing slow next year. But more younger Americans are starting to buy homes, suggesting that millennials are tiring of living in apartments — or their parents’ basements— and are starting to move out.

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BUSINESSES HOLDING BACK

Companies with optimistic outlooks typically spend more on computers, machinery and other equipment to keep up with demand. Instead, in recent months the opposite has happened: Business investment in new equipment has fallen for four straight quarters. Some of that pullback occurred because oil drillers slashed spending on steel pipe and other gear in response to sharply lower oil prices. But many companies are also likely holding off on new spending until after the election, when potential economic policy changes will be clearer.

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WEAK WORKER PRODUCTIVITY

The U.S. economy has failed to grow much more efficient. Since the recession began in 2007, productivity — or output per hour of work — has grown at less than one-third the annual pace it did from 2000 through 2007. Rising productivity is vital to raising living standards, because it enables companies to raise pay without raising prices.

Economists blame a range of factors for the slowdown: Americans are starting fewer new companies, which tend to be quicker to adopt new technologies. And weaker investment in roads, ports and other infrastructure has slowed shipping and commuting times.

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MANY STILL LEFT BEHIND

Millions of Americans haven’t benefited from the consistent hiring of the past several years. Middle-income jobs in manufacturing and office work were permanently lost in the recession and have been replaced by lower-paying work in retail and fast food. Many of the unemployed have given up looking for work and are no longer counted as unemployed.

Nicholas Eberstadt, author of a new book, “Men Without Work,” notes that this has been a long-term phenomenon. For every unemployed man ages 25 through 54, three others are neither working nor looking for work. That ratio has doubled since 1990.

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AP Polling Editor Emily Swanson contributed to this report.

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Follow Chris Rugaber on Twitter at http://Twitter.com/ChrisRugaber


AP-GfK Poll: Most believe allegations about Trump and women
WASHINGTON (AP) — Donald Trump’s behavior has long grated on Carolyn Miller, but the allegations he sexually assaulted women was one factor that helped her decide in the last week to cast her ballot for Hillary Clinton.
“I don’t think she’s a bad person. Trump, I think, is a bad person,” the 70-year-old Fort Myers, Florida, resident said. As for Trump’s accusers, Miller added, “I believe them.” And she said her vote for Clinton is “a default.”

Miller is among the more than 7 in 10 Americans who say in a new Associated Press-GfK poll that they believe the women who say the Republican presidential candidate kissed or groped them without their consent, a verdict that may have turned off enough voters, including some Republicans, to add to his challenges in the presidential race.

 Forty-two percent of Republican voters and 35 percent of Trump’s own supporters think the accusations are probably true. Men and women are about equally likely to think so.

While the poll suggests the wave of allegations about Trump’s treatment of women may blunt the impact of voters’ concerns about Clinton, it was taken before Friday’s news that the FBI will investigate whether there is classified information in newly uncovered emails related to its probe of her private server. Those emails were not from her server, according to a U.S. official who was not authorized to discuss details publicly and spoke on condition of anonymity.

Before the development, the poll found that about half of voters say her use of the private server while she was secretary of state makes them less likely to vote for her. But they were more likely to say that Trump’s comments about women bother them a lot than to say the same about Clinton’s email server, 51 percent to 43 percent.

Since September, Clinton seems to have consolidated her support within her own party and drawn undecided voters such as Miller to her campaign, or at least pushed them away from Trump. The billionaire’s recent trouble with women seems to be one factor preventing him from doing the same.

He feuded with former Miss Universe Alicia Machado after Clinton noted he’d called her “Miss Piggy” for gaining weight while she wore the crown. Days later, a 2005 recording surfaced in which Trump can be heard describing himself sexually assaulting women in a conversation with Billy Bush, then the host of “Access Hollywood.”

Several women have since publicly accused Trump of groping and kissing them without permission, including a People magazine reporter who said Trump attacked her when his wife, Melania, was out of the room.

Trump called his remarks on the video “locker room talk,” dismissed the accusations as “fiction” and said of several accusers that they aren’t attractive enough to merit his attention.

Asked Thursday on Fox News Channel’s “The O’Reilly Factor” whether he thinks he would be ahead were it not for the “Access Hollywood” video, Trump replied, “I just don’t know. I think it was very negative.”

A majority of voters, 52 percent, say allegations about the way Trump treats women make them less likely to vote for him, including a fifth of Republican likely voters. And within that group, only about a third say they will vote for him, with about a third supporting Clinton and the remainder supporting third party candidates.

That may help explain why just 79 percent of Republican in the poll said they’re supporting Trump compared with 90 percent of Democrats supporting Clinton. Trump needs to close that gap to have any shot at victory.

Trump has tried to equate the accusations against him with charges of infidelity and sexual assault leveled for years against his rival’s husband, former President Bill Clinton. Trump has paraded the former president’s accusers before the cameras and accused Hillary Clinton of undermining her husband’s accusers.

The poll shows a majority of voters don’t buy Trump’s attempt at equivalence. Six in 10 say the allegations against the Clintons have no impact on their vote. That’s despite the fact that 63 percent think Hillary Clinton has probably threatened or undermined women who have accused her husband of sexual misconduct.

“The vote will be about Hillary Clinton, not her husband,” said Ryan Otteson, 33, of Salt Lake City, who’s voting for a third-party candidate, conservative independent Evan McMullin.

Valori Waggoner, a 26-year-old from Belton, Texas, said she believes Hillary Clinton probably did intimidate her husband’s accusers, but she said it makes no difference to how Waggoner is voting.

Waggoner was not going to vote for Clinton anyway, because as a doctor, Waggoner said she sees firsthand the inefficiency of the national health care plan that Clinton supports. But the alleged wrongdoing by Trump made her less likely to vote for the Republican. Instead, she’s backing Libertarian Gary Johnson.

The degree of alleged wrongdoing by the Republican and Democratic presidential candidates, Waggoner said, “are not equal.”

Most likely voters in the poll say they think Trump has little to no respect for women, with female voters especially likely to say he has none at all.

Clinton leads female likely voters by a 22 point margin in the poll, and even has a slight 5 point lead among men. In September’s AP-GfK poll, Clinton led women by a 17 point margin and trailed slightly by 6 points among men.

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The AP-GfK Poll of 1,546 adults, including 1,212 likely voters, was conducted online Oct. 20-24, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 2.75 percentage points, and for likely voters is plus or minus 3.1 percentage points.

Respondents were first selected randomly using telephone or mail survey methods and later interviewed online. People selected for KnowledgePanel who didn’t have access to the internet were provided access for free.

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Online:

Poll results: http://ap-gfkpoll.com