Open enrollment for health insurance through the Affordable Care Act is already underway, and ends on Jan. 15.

More than 1.3 million Georgians do not have health coverage according to the Kaiser Family Foundation.

Richard Gordon, an independent insurance broker, said it is time to do some research, and find out what your options are. His is one of many small businesses offering community outreach events to help people to sign up for coverage online.

Gordon explained some health plans are more affordable, as Congress extended subsidies to bring down monthly premiums.

"We try to explain what the Affordable Care Act is, how you can qualify for tax-credit subsidies to help pay for insurance, as well as provide some instant quotes for people," Gordon outlined. "They can actually see how affordable it can be, based on their family size, their income, and the ZIP code that they live in."

The Inflation Reduction Act passed by Congress extended the premium subsidies through 2025.

Gordon noted all health care plans are considered "major medical" plans, which means they cover hospitalization, doctor's visits, lab work, imaging, and preventive services. He added some insurers this year have "zero-premium" plans, which means the government subsidy covers the total monthly cost.

"A lot of the plans have low co-payments for the primary care doctor visit and a specialist doctor visit," Gordon pointed out. "We explain to people that their preventative services are provided at no cost to them. So that will be their annual physical, mammograms, colonoscopy, cervical cancer screenings."

He emphasized screenings for diabetes and outpatient surgeries are also covered, but only a few health plans offer dental and vision coverage, so people often buy those as stand-alone policies. He recommended doing some homework now, as the enrollment deadline is seven weeks away.

The Iowa House has passed a measure to establish a licensing board for midwives. Iowa is one of 15 states currently without such a program, often leaving rural residents without access to critical medical care when it is time to deliver their babies.

House File 265 would create a board to certify midwives have completed 2,000 hours of training before they are licensed, and are held to the same medical standards as nurses who deliver babies in hospital settings.

Rep. Monica Kurth, D-Davenport, the bill's co-sponsor, said Iowa ranks 49th in the nation for its doctor-to-patient ratio for OBGYN care.

"So, we are somewhat considered a OBGYN 'desert,' and it leaves a lot of people without close access to a major hospital for childbirth," Kurth pointed out.

The measure would allow exemptions for midwives practicing in 'culturally traditional' populations, such as Native American and Mennonite communities. Like other states, Iowa faces a critical nursing shortage. It is especially acute in maternal health care, which supporters say the bill will help address. It heads next to the Senate.

Kurth noted the bill also requires the registered midwife to come equipped to any birth with what is called a "transfer plan," in case something goes wrong during the delivery. Right now, she added, there is too much left to chance, especially in rural communities where midwives are in high demand and often develop a clientele through word-of-mouth.

"Some people are practicing without this certification," Kurth stressed. "If someone is looking for a midwife, they may hear about this person or that person, and might not realize that they don't have extensive training. And so, that's where some of the alarming situations can come in."

Medical providers have opposed similar legislation in the past, saying it offers rural Iowans a false sense of security, and they have expressed concerns over midwives' abilities to handle complicated births.

March is Sleep Awareness Month and health experts say Americans are not getting enough of it.

United Health Foundation data found more than 32% of those surveyed said they got fewer than seven hours of sleep, although the rate was slightly better in Oregon at about 28%.

Dr. Kimberly Hutchison, associate professor of neurology and sleep medicine at Oregon Health and Science University, said our culture devalues sleep, with the perception people who get the sleep they need are lazy or not working hard enough.

"Because we live in this accomplishment-driven culture, it results in people sacrificing sleep in order to get other things done," Hutchison explained.

Hutchison pointed out sleep is as important for our health as the food we eat or exercising. The recommended amount of sleep for adults is seven to nine hours in a 24-hour period. For teens and adolescents, it can be as much as 10 hours. For older adults, the number is closer to seven.

Dr. Ravi Johar, chief medical officer for UnitedHealthcare, said one of the best ways to ensure you are getting enough sleep is to have a regular schedule.

"That's something that's really important, just having a routine, whether it's brushing your teeth, changing into pajamas, doing some kind of activity before you go to sleep," Johar outlined. "Yoga, listening to music, reading, things of that sort, setting your alarm for the same time every day."

Johar added people should see a health professional for medical issues such as insomnia or sleep apnea.

"Sometimes there may be underlying medical problems that are making it difficult for you to sleep," Johar noted. "The other thing that's really important that people don't realize is how much stress and behavioral-health issues can factor into their sleep."

It's been 13 years since more than 156,000 West Virginians gained health insurance coverage through the Affordable Care Act.

As sweeping and sometimes controversial as the ACA has been, its longer-term effects are still being felt today at the state level.

Gary Zuckett, executive director of the West Virginia Citizen Action Group, pointed to a new West Virginia law capping insulin copays at $35 per month. The law goes into effect January 1.

"I think we now have the best insulin copay cap legislation in the country that we just helped get passed in a very 'red' legislature," Zuckett noted. "Which does show you that health care is not partisan."

Federal data shows since the launch of the federal health insurance exchange, enrollment in health insurance plans has doubled from 8 million to more than 16 million nationwide.

According to the West Virginia Center on Budget and Policy, the Medicaid expansion included in the ACA allowed more than 200,000 West Virginians to gain access to health coverage.

Zuckett cautioned when the "continuous coverage" rules enacted during the pandemic expire April 1, the state will begin re-evaluating people's eligibility, which could signal a setback in progress.

"A lot of people won't qualify or won't fill out the paperwork, and they'll lose their health insurance in West Virginia," Zuckett explained. "That could be as many as 50 or 100,000 people. So, that's going to be a step backwards."

According to America's Health Rankings, around 6% of West Virginians were uninsured in 2021, far fewer than the nearly 16% of the state's population who lacked coverage prior to the Affordable Care Act.