Obamacare 2018 enrollment is now open

Andrew Harnik  AP

Andrew Harnik AP

More than 9 million people now have private plans through the ACA's government-sponsored markets.

Open enrollment began November 1 and will end just six weeks later, on December 15.

Remember, the health law has not been repealed, so the Affordable Care Act remains the law of the land.

Go to Healthcare.gov to find a link to your state's marketplace and review plans available in your area. Most Americans are still required to get health insurance, and they can find plans - including some generous subsidies - through state-based marketplaces or exchanges, including HealthCare.gov. In the Lehigh Valley, you could pay nothing but co-pays or deductibles for some low-priced bronze plans.

That means the more generous premium subsidies will cover more of the monthly cost of these plans, so consumers will pay less. As in years past, consumers who don't select a plan during the sign-up period may be automatically reenrolled in their current plan-or a different plan, if their current plan is no longer available. Silver plans will have an average deductible of just over $4,000 next year. "There's been so much confusion about whether it's still the law and whether it's great coverage", Jennifer Simmons, of health care advocacy group NC Navigator Consortium, told ABC11.

You will end up paying hundreds more for premiums if you don't qualify for financial help, as about 85,000 people in the state (or 20 percent of those purchasing insurance) don't, according to acting state insurance Commissioner Jessica Altman.

El Rio will call all of those who have signed up for the ACA in the past, to remind them, they must do it again within the six week window. "That's cheaper than a lot of cell phone plans".

In Texas, where premiums are rising an average of 23 percent and many counties only have one or two providers, local health officials fear the price spike and lack of competition will turn consumers away. In any case, it will not happen in time for 2018. That penalty for the uninsured is $695 for an adult, $347.50 for a child and up to $2,085 for a family or 2.5 percent of the household income above the tax filing threshold, the minimum amount you make that requires you to submit tax information. Many receive tax subsidies that reduce high premiums. The group helped sign-up about 10,000 residents a year ago, said Lisa Hamler-Fugitt, executive director Ohio Association of Food Banks.

Making Moffett's job even harder than she thought it would be.

"Spread the word to make sure everybody knows that it's time to get covered on HealthCare.gov, because this country works best when we look out for one another", he said in the clip released by Get America Covered, a coalition that is promoting the law.

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