Nov. 1 is the start of this year's open enrollment period for insurance under the Affordable Care Act, and more than a quarter-million Texas do not realize they are eligible for subsidies that may pay for most of their premium costs.

Experts say the health care marketplace is too complicated for the average citizen. The U.S. Department of Health and Human Services said nationally, 2.5-million Americans who currently purchase off-marketplace individual coverage may qualify for tax credits. That means subsidies that may cover most of the costs of health insurance.

Local insurance brokers like Victor Lehman, a senior consultant with Heavin Insurance, said they do not advise anyone to try and do it themselves.

"The biggest problem is, is most people, there are a lot of people who don't use computers. So is useless to them," Lehman said. "The other problem is the long hold times and the long time it takes to do it over the telephone. People just get frustrated with the process, and we need more people to help."

Kiii News Reporter Brian Burns spoke with Coastal Bend residents who have had trouble getting health insurance.

If you're looking for help getting health insurance, you can visit a qualified broker. Also, you can contact Amistad Community Health Center at 361-884-2242.