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There are just three days left in #OpenEnrollment - if you miss the deadline, you may have to wait a full year to #GetCovered. Here's some practical advice to help you #EnrollbyDec15 and pick the best plan for you. (THREAD)
1) Firstly, DON'T just google "health insurance" or "Obamacare." Companies who sell junk coverage products buy up all the adspace and there's little quality control, so if you click a link that says "buy Obamacare" you could end up in a plan that doesn't meet ACA standards! 
Why does this matter? ACA plans include consumer protections that junk plans don't (like coverage for pre-ex conditions & essential benefits.) The consequences of being misled can be devastating, as this by @sarahgantz shows https://fusion.inquirer.com/health/obamacare-skimpy-health-plan-villanova-professor-20190405.html
What should you do instead? Go to http://Healthcare.gov or shop with us at http://HealthSherpa.com - in either case you'll ONLY see ACA plans, and will be shown every plan available, without bias (not just those that pay brokers a commission.)
2) Know that ACA plans can be very affordable. Most of the 1M+ people we've enrolled at HealthSherpa so far this year will pay <$55/month for coverage & 96% qualified for subsidies. ALWAYS take 5 mins & check, even if you haven't qualified in prior years. https://www.healthsherpa.com/blog/this-open-enrollment-most-can-get-covered-for-51month-or-less/
In most states, the limit for savings is $51,040 for a tax household of 1, and $104,800 for 4 people. That goes up to $76k & $157k in California! If you're a little over, there are ways to reduce your eligible income. Great piece by @LouiseNorris on this: https://www.healthinsurance.org/faqs/with-my-income-im-barely-over-the-eligibility-limit-for-a-premium-subsidy-is-there-anything-i-can-do-to-lower-my-income-so-i-become-eligible/
3) Ready to shop? Make a list of doctors and prescriptions you need covered, and make sure to confirm with your doc that they take your SPECIFIC plan. Insurance companies can have multiple networks, and providers sometimes move in / out faster than lists are updated.
If you qualify for "extra savings" on your out of pocket costs - called a cost sharing reduction - remember that they can only be used on SILVER plans. In most cases, paying a little more for silver to use this benefit is worth it for lower overall costs. https://www.healthsherpa.com/blog/cost-sharing-reductions-how-they-work/#:~:text=In%20the%20health%20insurance%20Marketplace,for%20your%20healthcare%20costs%20sooner
If all that's available to you are plans with very high deductibles, check what services may be covered before deductible. Preventive care (inc birth control + vaccines) is free in-network with EVERY plan, and many plans cover generic drugs and basic services with a flat copay!
Remember: a high deductible plan is far better in a catastrophe than no coverage, because there's a legal limit to your out of pocket costs. Per analysis by @cynthiacox, millions of uninsured people qualify for $0 bronze plans to access those protections https://www.kff.org/policy-watch/millions-of-uninsured-americans-are-eligible-for-free-aca-health-insurance/
4) Ok, time to submit your application. Make sure you have key information on hand to speed up the process, like Social Security numbers and income information for everyone in your household. And remember, subsidies are based on your FUTURE income, not your income from last year.
Estimating your income can be really hard at the best of times, let alone now. If you're not sure, it's okay to make your best guess - just make sure to keep your application up to date throughout the year so you don't have to pay back any subsidy when you file your taxes.
Didn't get the result you were expecting when you submitted the application? There are a few common mistakes people make that mean they're incorrectly determined ineligible for a subsidy (e.g. not selecting "yes" on "do you want assistance?") More here: https://www.healthsherpa.com/blog/how-to-apply-for-marketplace-health-insurance/
If you were unexpectedly told you're eligible for Medicaid, it could be because your current monthly income is low - that's what Medicaid is based on. Some people are hesitant to enroll bc of stigma, but Medicaid is comprehensive, very affordable coverage - don't discount it!
5) Need help? There is LOTS available. My DMs are open, my amazing colleagues are available at (855) 772-2663 and by chat at http://HealthSherpa.com , & http://HC.gov also offers phone support (800) 318-2596. Call as early as possible to beat the rush (today if you can!)
6) In a state with its own exchange? You have until 12/22 (MA) 12/30 (CA) or 12/31 (NJ, RI) to apply for coverage that starts 1/1/2020. CA, CO, DC, MA, NJ, NV, NY, WA & RI have further extensions, but your coverage will begin later. Check with your state for specifics!
FINALLY: please spread the word! Making sure people #GetCovered is more important than ever, but many who qualify don't know that they're eligible or aren't aware of the deadline. As @charles_gaba shows, there hasn't been a big spike in new enrollment. 
http://acasignups.net/20/12/09/2021-oep-week-5-hcgov-snapshot-report-915k-qhps-38m-total
http://acasignups.net/20/12/09/2021-oep-week-5-hcgov-snapshot-report-915k-qhps-38m-total
