MORE DETAILS

Enrollment central

■ People can start with the federal ACA sign-up website, healthcare. gov.

■ Beware of some of the websites that come up on an internet search for “Obamacare” or “ACA.” They may dupe people into thinking they’re the real Obamacare or ACA website. If going outside healthcare.gov, it’s important to deal with an honest site, agent or navigator to get the best plan. Unscrupulous sites might promote alternative plans that receive a higher commission for the website or insurance agent, but can be more expensive for the client or deliver less protection than they thought. It’s healthcare.gov where the government is calculating what you really pay — including the allimportant discount most applicants receive after federal help.

■ Healthcare.gov also has a phone number with helpers, 1-800-3182596. For Spanish speakers, the website is cuidadodesalud.gov.

Other help

■ Georgia has a designated navigator organization, which received a $500,000 federal grant to help people sign up. This year it’s the Georgia Primary Care Association, which represents clinics across the state. That puts them in a good position to reach a broad swath of people. Federal navigator funding no longer includes funds for much advertising. The association does outreach at places such as large flea markets and rodeos, and it has navigators at several of the state’s federally qualified health centers (FQHC’s). There’s a phone number to talk to a navigator, too: 1-844442-7421. ■ HealthSherpa.com, the only web broker that sticks to ACA-compliant full-coverage plans, has a good reputation for the ease of signing up. It taps into the federal data on healthcare.gov and presents it in an easier format.

■ A large organization that used to be a federal navigator for Georgia, Insure Georgia, is still doing that work but as a charity organization now, a nonprofit insurance agency. It has a website with additional information, InsureGa.org, and helpers at its phone number, 1-866988-8246.

■ Private insurance agents who are reputable and have experience in health insurance can also be a resource for these plans. A list of them for your geographical area can be found on healthcare.gov.

Use caution when searching for the federal enrollment website for health insurance, healthcare.gov, under the Affordable Care Act, shown here in a screenshot. Disreputable sites can dupe people into less reliable plans.