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People in many parts of the country will have more insurance plans to choose from this time than they did during the last ACA enrollment window.

That's good, but there's a catch. People who already have ACA coverage, and who renew their policies automatically without going back through HealthCare.gov, could see their costs rise.

What they're saying: "This year people might get complacent because they hear the average premium is going down, but that still hides enormous variation," according to the Kaiser Family Foundation's Larry Levitt.

By the numbers, per a recent HHS report:

  • 20% of current enrollees will have just 1 plan to choose from — down from 29% a year ago.
  • 57% of current enrollees will have at least 3 plans to choose from — up from 44% a year ago.

How it works: If you're buying coverage through the exchanges and getting a subsidy to help pay your premium (as most enrollees do), the size of that subsidy is based on your income and the cost of a specific plan in your area.

  • As new plans come onto the market in your area, subsidies might now be tied to one of those plans — which means the value of the subsidy will change, and it may cover less of your costs for the same plan.
  • (If you really want to go deep on how all this works, I wrote a treatise on it in a previous life.)

The bottom line: Enrollees who don't go back through the shopping process could have to pay more.

Go deeper

Updated 40 mins ago - Politics & Policy

Coronavirus dashboard

Illustration: Sarah Grillo/Axios

  1. Health: Coronavirus deaths reach 4,000 per day as hospitals remain in crisis mode — CDC warns highly transmissible coronavirus variant could become dominant in U.S. in March.
  2. Politics: Biden says, "We will manage the hell out of" vaccine distribution — Biden taps ex-FDA chief to lead Operation Warp Speed amid rollout of COVID plan — Widow of GOP congressman-elect who died of COVID-19 will run to fill his seat.
  3. Vaccine: Battling Black mistrust of the vaccines"Pharmacy deserts" could become vaccine deserts — Instacart to give $25 to shoppers who get vaccine.
  4. Economy: Unemployment filings explode againFed chair: No interest rate hike coming any time soon —  Inflation rose more than expected in December.
  5. World: WHO team arrives in China to investigate pandemic origins.

NRA declares bankruptcy, says it will reincorporate in Texas

Wayne LaPierre of the National Rifle Association (NRA) speaks during CPAC in 2016. Photo: Saul Loeb/AFP via Getty Images

The National Rifle Association said Friday it has filed for Chapter 11 bankruptcy and will seek to reincorporate in Texas, calling New York, where it is currently registered, a "toxic political environment."

The big picture: The move comes just months after New York Attorney General Letitia James filed a lawsuit to dissolve the NRA, alleging the group committed fraud by diverting roughly $64 million in charitable donations over three years to support reckless spending by its executives.

3 hours ago - Politics & Policy

Biden: "We will manage the hell out of" vaccine distribution

Joe Biden. Photo: Chip Somodevilla / Getty Images

President-elect Joe Biden promised to invoke the Defense Production Act to increase vaccine manufacturing, as he outlined a five-point plan to administer 100 million COVID-19 vaccinations in the first months of his presidency.

Why it matters: With the Center for Disease Control and Prevention warning of a more contagious variant of the coronavirus, Biden is trying to establish how he’ll approach the pandemic differently than President Trump.