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The penalty for eligible consumers who fail to buy health insurance coverage by the deadline is $695 per adult and $347.50 per child, up to $2,085 for family, or 2.5 percent of family income, whichever is greater. According to a January report from the U.S. Department of Health and Human Services, about 11.2 million consumers nationwide had signed up for a plan as of Dec. 26, with Florida leading all states in the numbers of residents who had selected a plan as of that date. Florida is one of 38 states using the federally run insurance exchange at healthcare.gov, while the remaining 12 states and Washington, D.C., operate their own marketplaces. Among states with their own insurance exchanges, California led the pack with 1.4 million residents signed up as of Dec. 27. South Florida in particular has been a hot spot for enrollment. According to HHS, nearly 600,000 people in the Miami-Fort Lauderdale area had selected or were automatically enrolled in a plan as of Jan. 16 — the highest in the state. The second highest market in Florida , the Orlando-Daytona-Melbourne area, signed up about half as many, or nearly 300,000 people, according to HHS.

Carlyne Lafontant, an enrollment counselor with the nonprofit Epilepsy Foundation of Florida, which received a federal grant to advise consumers on ACA plans, said many consumers switched plans this year in order to keep their costs low. “They mostly look for low cost sharing and low deductible, also with a low premium,” Lafontant said, noting that the most popular plan among consumers she advised has been the lowest-priced standard plan sold by Ambetter from Sunshine Health. Lafontant meets with consumers two to three times a week at the Sant La Haitian Neighborhood Center in Miami. Because most of the consumers she advises live nearby, she said, most want to make sure the Jackson Health System is in their provider network. But like other enrollment counselors, Lafontant said she has noticed that many consumers still struggle to understand how to best use their health insurance, and that some face additional challenges. “They’re still trying to get the sense of how it works,” she said. “The ones that understand it are doing more. But this is the Haitian community. Many are still trying to learn the language and they’re still trying to learn the system.”

Among Floridians who had signed up for a plan as of Dec. 26, 89 percent qualified for financial aid valued at an average of $307 per month. On average, those Floridians were paying $89 a month in premiums after financial aid, according to HHS. Despite Florida’s high number of enrollments, federal officials still see potential for the state to sign up even more consumers. HHS Secretary Sylvia Mathews Burwell is scheduled to visit West Palm Beach on Thursday at the Okeechobee Branch Library for a final push to boost enrollment in the Sunshine State. Burwell, who has visited Florida three times during the open enrollment period, will focus on populations with a high number of eligible consumers, particularly in African American, Hispanic and younger communities, said an HHS spokesman. Last week, Burwell noted that consumer interest was beginning to rise again as the deadline for 2016 coverage nears.

Last-minute rushes for enrollment have led to problems for consumers. According to the Associated Press, a spike in enrollments prior to the Dec. 15✔ deadline to sign up for coverage that began on Jan. 1✔ has led to delays in consumers receiving ID cards, as well as billing errors and other problems. Mendoza and his wife, who is an enrollment counselor with the Epilepsy Foundation, said they are thankful to have bought an ACA plan in time for Mendoza’s accident. “I was just hoping to have it for doctor visits,” Souto said of the plan. “But we had this emergency, and so far it’s turned out well.” Consumers who want to find out about ACA coverage can find in-person counselors atlocalhelp.healthcare.gov or by calling 800-318-2596.