Anyone who needs to get insurance on the individual market should sign up by Saturday. This is the last day in almost all states where any coverage will start on January 1, 2019. The 15th is the last day of open enrollment for Healthcare.gov.
If you earn under 400% Federal Poverty Level or you can get your modified adjusted gross income (MAGI) down to that level by a combination of IRAs, HSAs and other legal tricks, you qualify for premium subsidies. These will keep premiums lower than they otherwise would be.
Depending on where you live, there are some great deals if you are subsidized.
In 12 counties in Oklahoma, a Gold Plan is free at any subsidized income level.
In half the counties on Healthcare.gov, the lowest cost Bronze plan is no premium for some folks.
And if you need help, raise your question in comments this morning.