But getting enrolled in the right plan for you can be hard, and there are ways to get help. Additionally, there are about 70,000 buyers who rely on cost-share reductions to afford health care.
Susan Rider, a benefits and human capital consultant with Gregory and Appel Insurance, said the Affordable Care Act is confusing to most people. Earlier this year, the Trump administration authorized insurers to sell bronze plans that pick up less of enrollees' health care costs, on average. In 2017, 85 percent of consumers who purchased health insurance through the federally facilitated exchanges were eligible for Advanced Premium Tax Credits (APTCs). For those who receive APTCs, the amount of income they can spend on premiums is capped at a certain percentage.
"The most important thing is to shop, shop, shop for the best available plan that meets your needs and budget", Rosendale said.
"Many of our clients went through our proprietary three-session Wellbeing University", said McLaughlan.
Blue Cross and Blue Shield of North Carolina is again covering all 100 of the state's counties in 2018, though all 18 plans may not be available in each county. Prior to Obamacare in the 2000s, average premiums frequently rose more than 9 percent each year. In previous years, they had several weeks to switch or drop plans after autoenrollment in mid-December. 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.
The president's party, which controls the House and the Senate, had a chance to pass a new health care law without a single Democratic vote in the summer. These plans are usually paired with Health Savings Accounts, which allow you to set aside pre-tax money to pay for unreimbursed costs. Navigating through the plans with different copays and different deductibles is easier in person, said Kaiser.
A similar increase would be expected for people who also buy on some state marketplaces or directly from a broker or insurance company.
The first enrollment period for the ACA in 2013 was a nightmare for the Obama administration because the website didn't work. He said that California has taken steps to lessen the impact for people who don't get subsidies but that "consumers are very confused about what is happening and could just opt not to buy".
"His actions undermine vital protections for middle-class families and people with pre-existing conditions, making coverage for Washingtonians more expensive with fewer benefits", the statement read.
Many large employers are introducing high-deductible health plans, which offer lower premiums.
"Had (subsidy) payments not been eliminated, Blue Cross NC's final rate request for ACA customers' average would have been near zero", the insurer said. The stability of the exchange market created by the Affordable Care Act (ACA) is precarious.
"Especially with some of the plans changing, people are going to have to come back", said Moffett.
Premiums for popular "silver" level plans are climbing an average of 34 per cent in the 39 state marketplaces that operate through HealthCare.gov, according to the consulting firm Avalere.