"10.6 million individuals effectuated their coverage for February 2018 ... a higher proportion of marketplace enrollees received premium subsidies relative to 2017; and those who selected a plan during the 2018 open enrollment period were more likely to effectuate their coverage compared to 2017. Premium affordability, however, remains a concern, and CMS devotes an entire report to documenting a decline in individual market enrollment among consumers who are not eligible for advance premium tax credit (APTC)."