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Online health-care shopping takes some skill

There’s a learning curve with all online transactions — banking on the Web, buying songs from iTunes. So how long will it take America to warm up to shopping for health insurance online?

And, more importantly, how long will it take us to shop wisely?

That depends largely on the architecture of the websites through which America will do its shopping, according to a new paper written by a University of Pennsylvania Law School health insurance expert and several other colleagues.