Obamacare open enrollment begins. Find out if you qualify for higher subsidies

With 2021 winding down, it's time for millions of Americans to sign up for health insurance for 2022. And for those who can't get coverage through Medicare, Medicaid or an employer's health plan, the good news is that expanded federal subsidies will make next year's policies more affordable for more people than they were a year ago.

Monday marks the first day of open enrollment at Covered California, the insurance marketplace that the 2010 Affordable Care Act created for people who aren't covered by a group health plan. You can sign up online, over the phone or through one of the dozens of offices in Southern California staffed by insurance "navigators." If you'd like to work with a navigator, call that office before visiting — the pandemic has led many of them to limit in-person contact.

Remember, under California law, adults are required to maintain health