MIAMI, FL - NOVEMBER 02: Martha Lucia, Bienvendida Barreno and Jorge Baquero (L-R) sit with insurance agents from Sunshine Life and Health Advisors as they discuss plans available in the third year of the Affordable Care Act at a store setup in the Mall of the Americas on November 2, 2015 in Miami, Florida. Open Enrollment began yesterday for people to sign up for a 2016 insurance plan through the Affordable Care Act. (Photo by Joe Raedle/Getty Images)
