Three weeks into open enrollment for 2019, ACA marketplace enrollment in the 39 states that use HealthCare.gov is down 11%. compared to this time last year (adjusting for one less open day so far this year). There's a lot of potential reasons for that: further draconian cuts to advertising and enrollment assistance, repeal of the individual mandate in tandem with allowing medically underwritten short-term plans to provide full-year renewable insurance, election distraction, etc.