Suzanne Schwing tried for months to get health insurance through New York’s Affordable Care Act marketplace last winter—calling, sending documents, calling again.

Schwing, 45, works a dozen jobs as a freelance classical singer, which stumped marketplace representatives as they tried to estimate her future income. By the time they agreed on a figure, she’d missed the March 31 deadline. So when enrollment reopened on Nov. 15, Schwing decided she needed face-to-face help from an expert.

“I’m really up against a deadline, and I don’t have time to play around anymore,” she said.

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