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Open enrollment for 2019 health plans begins Nov. 1 on HealthCare.gov and on most state insurance exchanges. Healthcare.gov via Screenshot by NPR hide caption

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Healthcare.gov via Screenshot by NPR

Looking For ACA Health Insurance For 2019? Here's What To Expect

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Organizers with Idahoans for Healthcare have been driving this green vehicle around the state to campaign for Medicaid expansion. Phil Galewitz/Kaiser Health News hide caption

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Phil Galewitz/Kaiser Health News

As Sen. Joe Manchin, a Democrat from West Virginia, campaigns for re-election, he has warned that 800,000 West Virginians with pre-existing conditions could lose health coverage. Drew Angerer/Getty Images hide caption

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Drew Angerer/Getty Images

Marilyn Bartlett spent two years running Montana's employee health plan. She made better deals with hospitals and drug benefits managers and saved the plan from bankruptcy. Mike Albans for NPR hide caption

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Mike Albans for NPR

A Tough Negotiator Proves Employers Can Bargain Down Health Care Prices

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Because of a recent court decision, the size of the financial incentive your employer offers you in hopes of motivating you to lower your cholesterol or lose weight may soon shrink. Molly Cranna/Refinery29/Getty Images hide caption

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Molly Cranna/Refinery29/Getty Images

Health insurers who offer Medicare Advantage plans have permission to soon require patients to try less expensive alternatives to some before receiving pricier drugs. Witthaya Prasongsin/Getty Images hide caption

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Witthaya Prasongsin/Getty Images

The total bill for Drew Calver's four-day hospital stay at St. David's Medical Center in April 2017 was $164,941. His insurer paid $55,840, leaving Calver responsible for the unpaid balance of $108,951.31. Callie Richmond/KHN hide caption

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Callie Richmond/KHN

Demonstrators held signs outside the U.S. Capitol in Washington DC on June 26, 2018 while Democratic leaders called on the Trump administration to uphold the preexisting conditions provision of the Affordable Care Act. Now the issue may be decided in court. Aaron P. Bernstein/Getty Images hide caption

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Aaron P. Bernstein/Getty Images

Despite the political uncertainties, insurance companies have started to learn how to make a profit on the plans they offer through the Affordable Care Act. Erik McGregor/Pacific Press/LightRocket via Getty Images hide caption

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Erik McGregor/Pacific Press/LightRocket via Getty Images

Analysts Predict Health Care Marketplace Premiums Will Stabilize For 2019 Coverage

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A survey finds many Americans get unexpected medical bills and the majority come because patients expect their insurance to cover more than it actually does. Jamie Grill/Getty Images hide caption

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Jamie Grill/Getty Images

Drew Calver, a high school history teacher and swim coach in Austin, Texas, had a heart attack at his home on April 2, 2017. A neighbor rushed him to the nearby emergency room at St. David's Medical Center, which wasn't in the school district's health plan. Callie Richmond/KHN hide caption

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Callie Richmond/KHN

Life-Threatening Heart Attack Leaves Teacher With $108,951 Bill

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If you earn too much to get a subsidy to help defray the cost of health insurance, you might find a less expensive policy off an exchange. PeopleImages/Getty Images hide caption

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PeopleImages/Getty Images

The results of genetic testing — whether done for health reasons or ancestry searches — can be used by insurance underwriters in evaluating an application for life insurance, or a disability or long-term-care policy. Science Photo Library RF/Getty Images hide caption

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Science Photo Library RF/Getty Images

Short-term health care plans could be a more affordable option for some consumers, but they're exempt from covering people with pre-existing conditions. Dreet Production/Alloy/Getty Images hide caption

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Dreet Production/Alloy/Getty Images