Affordable Care Act navigator Nini Hadwen (right) helped Jorge Hernandez (left) and Marta Aguirre find a plan on the health insurance exchange in Miami in 2013. Today, with fewer navigators, much of that counseling is done by phone instead of in person.

Affordable Care Act navigator Nini Hadwen (right) helped Jorge Hernandez (left) and Marta Aguirre find a plan on the health insurance exchange in Miami in 2013. Today, with fewer navigators, much of that counseling is done by phone instead of in pers