American flag and medical symbol The U.S. Department of Health and Human Services will provide ACA exchange program services for residents of 36 states in 2021 through the HealthCare.gov website.

The open enrollment period for 2021 individual and family major medical coverage starts Nov. 1 — but major medical coverage may be having a hard time competing with Halloween, politics and COVID-19 for consumers' attention.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.