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Obamacare signup screen The annual open-enrollment period for people who buy their own insurance on ACA marketplaces ends Dec. 15 in most states. Enrollment has been sluggish this year compared to last.

The woman arrived at the University of South Florida’s navigator office in Tampa a few weeks ago with a 40-page document describing a short-term health insurance plan she was considering. She was uncomfortable with what the broker had said about the coverage, she told Jodi Ray, a health insurance navigator who helps people enroll in coverage, and she wanted help understanding it.

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