Only 5 to 10 percent of people getting through the enrollment process have paid their first premium.
But amid the rush to enroll as many people as possible by the Dec. 23 deadline , there's a huge caveat that isn't getting much public attention: For coverage to take effect on Jan. 1, enrollees must pay their first month's premium on time. (The deadline varies somewhat by state and by insurer.)
That's slow going, according to consultants and some insurers, raising the prospect that actual enrollment will be far lower than the figures HHS is releasing.
This will be the next ACA crisis come the first of next year.