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More than a dozen states, including Washington, Oregon, California, Colorado, Minnesota, Maryland, New York, and most of New England, have enacted laws in recent years to keep medical debt from affecting consumers’ credit.

"Health care inflation is still front and center for a lot of organizations due to the higher cost driven by things like increased utilization, technological advances, prescription drug cost increases, and the list goes on," said Julie Gebauer, president of Health, Wealth & Career at Willis Towers Watson.

The new ACA enrollment period is set to run from Nov. 1 through Jan. 15 in states that use HealthCare.gov.

Nationwide about 24 million people are part of the subsidy program.

According to the lawsuit, the Labor Department issued the advisory opinion after Morgan Stanley launched an extensive campaign with its law firm.

The U.S. federal government shutdown has been ongoing since October 1.