Open enrollment isa under way at the federal Health Insurance Marketplace at Healthcare.gov. According to the Kaiser Family Foundation premiums in Virginia are down 18% but nationally the average benchmark plan is 4% more expensive. Many people can qualify for subsidies to lower premium costs. Officials sat 92% of enrollees nationwide have access to three or more health insurers offering Qualified Health Plans. You need to enroll by Dec. 15 folr coverage to begin January 1.