Tuesday is the day that the Health Insurance Marketplace opens for its fourth round of enrollment. Ten insurance carriers were approved to participate on the Marketplace, and Michigan Department of Insurance and Financial Services spokesperson Andrea Miller says look around first because there are always new options.
 

“If you use the marketplace your eligibility for subsidies depends on your income and available policies in your area. Either of these may have changed from last year, so even if your income and chosen plan have not changed, if there's less expensive options it could affect the amount of subsidies. So we definitely encourage consumers to shop around.”
 

The tax penalty for being uninsured in 2017 is about $700 per person, or two and half percent of annual income. But given rate increases, some people are paying the fine instead of signing up.