An insurance agent talks with clients inside a shopping center in Miami, on Dec. 5, 2023. Once someone enrolls in an Affordable Care Act plan, they can get help with sticky insurance issues from caseworkers at the federal government. Many caseworkers were cut in the recent round of federal layoffs. Rebecca Blackwell/AP hide caption
U.S. Speaker of the House Mike Johnson shakes hands with U.S. President-elect Donald Trump at a House Republicans Conference meeting at the Hyatt Regency on Capitol Hill on Nov. 13, 2024 in Washington. Andrew Harnik/Getty Images hide caption
Speaker of the House Mike Johnson, R-La., speaks as former President Donald Trump listens during a news conference, April 12, 2024, at Mar-a-Lago in Palm Beach, Fla. Johnson promised recently that if they gain control in Congress, Republicans' agenda includes "massive reform" of the Affordable Care Act. Wilfredo Lee/AP hide caption
Supporters rally outside the 5th Circuit Court of Appeals in New Orleans on Thursday, Oct. 10, 2024, following a hearing on the future of the Deferred Action for Childhood Arrivals program. A separate lawsuit, filed in a federal district court in North Dakota, challenges a rule allowing DACA recipients to enroll in Affordable Care Act plans this year. Jack Brook/AP hide caption
Presidential candidates Vice President Kamala Harris and former President Donald Trump differ in how they'd tackle several health care issues, including drug pricing. Charles Rex Arbogast/AP hide caption
People have been pleasantly surprised to find Affordable Care Act insurance plans under $10 a month since President Biden has been in office. The plans were more expensive and fewer people bought them during Donald Trump's presidential term. Joe Raedle/Getty Images hide caption
The advice for anyone who got their IRS return rejected because a rogue agent signed them up for ACA health insurance: Ask for an extension and file a complaint. Lindsey Nicholson/Education Images/Universal Images Group via Getty Images hide caption
A record number of Americans are getting health insurance through the Affordable Care Act, and states that use the HealthCare.gov marketplace are vulnerable to a scheme where plans are switched without the consumer's permission. Alex Brandon/AP hide caption
Insurance brokers say rogue agents are switching batches of customers to new plans without the customers' knowledge. The agents then collect monthly commissions on the Affordable Care Act plans. Ralf Hahn/Getty Images hide caption
Mary Lou Retton performs on the balance beam in the 1984 Olympics in Los Angeles. Last week, she said she couldn't afford health insurance and owes big hospital bills after a serious illness. Bettmann Archive/Getty Images hide caption
Secretary Xavier Becerra, U.S. Department of Health and Human Services. Becerra announced Wednesday his agency is seeing record enrollment numbers for Affordable Care Act health plans. Arturo Holmes/Getty Images for National Urban League hide caption
Open enrollment started Nov. 1 for Affordable Care Act health insurance marketplaces. Carmel Wroth/NPR hide caption
The U.S. Department of Health and Human Services building is shown in Washington, D.C. A proposed rule will expand government-funded health care access to DACA recipients. Saul Loeb/AFP via Getty Images hide caption
The Affordable Care Act saw a record number of sign ups this year, but some people are having trouble finding doctors in their health plan networks. Getty Images hide caption
Prescription drug coverage is just one part of Medicare, the federal government's health insurance program for people age 65 and over. d3sign/Getty Images hide caption
A health care navigator helps people sign up for Obamacare plans in Dallas in 2017. This year, federal funding for navigators was higher than it had been under the Trump administration. A record number of people signed up for plans. LM Otero/AP hide caption
Screening mammograms, like this one in Chicago in 2012, are among a number of preventive health services the Affordable Care Act has required health plans to cover at no charge to patients. But that could change, if the Sept. 7 ruling by a federal district judge in Texas is upheld on appeal. Heather Charles/Chicago Tribune/Tribune News Service via Getty Images hide caption
Research shows that expanded access to preventive care and coverage has led to an increase in colon cancer screenings, vaccinations, use of contraception and chronic disease screenings. Ngampol Thongsai/Getty Images/EyeEm hide caption
Insurers are complying with federal rules aimed at price transparency that took effect July 1, but consumer use of the data may have to wait until private firms synthesize it. DNY59/Getty Images hide caption