She's an insurance navigator at Trillium Health in Rochester, and with the enrollment period for New Yorkers to get health coverage through the state's marketplace ending Saturday night, she's been getting a lot of calls.
Though there has been a surge in sign-ups over the past week as the December 15 deadline closes in, overall, enrollment is down 12 percent compared to previous year.
The Trump administration has made it easier for people to buy lower-cost, short-term health-insurance plans.
A status report Wednesday from the Centers for Medicare and Medicaid Services showed almost 20 percent fewer new people signed up than at about the same time a year ago.
A federal judge has said the Affordable Care Act is "invalid". This is the first year without the individual mandate, which penalized Americans who did not have health insurance. "Pending the appeal process, the law remains in place".
American Medical Association president Barbara McAneny said the group will work with other groups in pursuing an appeal and reversal of the decision.
Also, according to the Kaiser Family Foundation, the last-minute enrollment rush is down about 12 percent from this time a year ago.More news: Urgent changes needed at Manchester United - Ferdinand
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According to data from CMS, most West Virginians are choosing silver level plans, and 91 percent of those silver plan buyers qualified for some form of a tax credit.
By contrast, there were 546,000 more sign-ups at the same point in last year's open-enrollment period, when the cumulative number of plans selected reached about 4,678,000 at the end of the sixth week.
But boosting sign-ups "was not a priority" for the Trump administration, said Ferguson, now a consultant.
Short-term health insurance plans don't have to offer basic benefits such as prescription drugs, and insurers can turn down people with medical conditions. President Donald Trump failed to outright repeal the ACA past year.
"I probably touched base with five clients this morning", Gonzalez said just after noon on Friday, "and I'll probably have at least five more today".