WASHINGTON - Nine months after Americans began signing up for health insurance under the Affordable Care Act, a challenging new phase is emerging as confused enrollees clamor for help in understanding their coverage.
Nonprofits across the country are being swamped by consumers with questions. Many are low income, have never had insurance, and have little knowledge of the health-care system. The rampant confusion poses a potential hurdle for the success of the health law:
If many Americans don't understand health insurance, that could hurt their ability to use their benefits - or to keep their coverage altogether.
A federal program to help consumers has also run out of money.
They have health insurance but may not understand it
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