American flag and medical symbolState-based marketplaces, which cover about 11 million peoplenationally, are becoming more robust and less risky for insurers —despite ongoing political and legal battles over the ACA.

Felicia Morrison is eager to find a health plan for next yearthat costs less than the one she has and covers more of the medicalservices she needs for her chronic autoimmune disease.

Morrison, a solo lawyer in Stockton, Calif., buys coverage forherself and her twin sons through Covered California, the state’sAffordable Care Act insurance marketplace. Morrison, 57, gets afederal subsidy to help pay for her coverage and she said that hermonthly premium of $167 is manageable. But she spends thousands ofdollars a year on deductibles, copayments and care not covered byher plan.

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