Obama's efforts to advertise the enrollment window during his administration included making a video on Snapchat where he used a filter on his face, for BuzzFeed where he used a selfie stick, and on amusing or Die's series "Between Two Ferns with Zach Galifianakis".
Income-based tax credits are calculated based on the cost of silver plans, so those credits are expected to climb, and that will funnel more help to people, especially those with lower incomes.
Premiums are skyrocketing for a second year in a row. And the law restricted insurers from charging 55- to 64-year-olds more than three times what it did younger people.
"If you do not have health insurance elsewhere, you need to take part in open enrollment to make sure you choose the best insurance plan to meet your needs", N.C. Insurance Commissioner Mike Causey said in a statement.
The premium subsidies are pegged to a benchmark silver plan in each market. "Eight out of 10 people can find a plan for under $75". These cost-sharing subsidies reduce deductibles and co-pays for lower income enrollees.
"And it will not cost you a penny more", said Kaiser. "Customers should use the resources available to not only identify the best health and dental plans for themselves and their families, but to also have peace of mind that they have made the right choice".
The Trump administration says this will provide Americans with more ways to enroll. And with the enrollment period on HealthCare.gov cut in half from three months - December 15 is now the deadline for the federal exchange - "waiting until the last minute is not a good idea". She doesn't qualify for premium subsidies and purchased the plan in the individual market outside of Covered California. Then compare your workplace options and determine what they cover, how much they cost, including co-pays and deductibles and whether your doctors are in the network.
Some 29% of enrollees will only have one insurer offering policies, up from 20% this year and 6% in 2016. The silver, or midrange, plan was the most popular in 2017, chosen by 78 percent of the enrollees, followed by the low-range bronze plan at 17 percent, and the high-end gold plan and the catastrophic plan at less than 3 percent each. Meanwhile, gold plans have higher premiums, but their deductibles are only $1,320 on average for a single enrollee next year. That decline equates to a savings of about $9 per month and $108 per year.
But how much consumers will pay depends a lot on where they live. For instance, a 48-year-old consumer earning roughly $30,000 can find a zero-premium bronze policy in almost 1,050 counties next year, up from 132 counties in 2017, according to an analysis by Oliver Wyman consulting group.
"Communities, that are less likely to have health coverage because they either think they can't afford it or they don't know that there is financial assistance available or if they just listen to the news, no one can be blamed for thinking that the affordable care act has been done away with", Miniea said.
Not everyone, however, will be so fortunate.
A family of four earning $60,000 a year could get an annual subsidy of $13,000, bringing their benchmark plan premiums down to just over $4,750.
There's a new expanded bronze plan.