Many insurers added surcharges to policies they sold to individuals last year to make up for a cut in federal funding. Now, federal officials suggest that states encourage insurers to sell policies without those surcharges outside of the marketplace to help people who don’t get a premium subsidy.

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Forty-six top spellers from public, private and home school associations in Madison will compete Saturday in the All-City Spelling Bee for the privilege of representing Madison in the Badger State Spelling Bee. Spellers are sorted alphabetically by school.