In this Tuesday, Oct. 1, 2013 file photo, Alan Leafman, center, president of Health Insurance Express, Inc., helps Raquel Bernal, right, and her husband John Bernal, left, both of Apache Junction, Ariz., navigate the nation's new health care insurance system online at the Health Insurance Express store in Mesa, Ariz. Two insurance companies offering individual health plans on federal exchanges in Arizona have filed paperwork to continue selling coverage in 2018, a move which will likely prevent a repeat of last year's crisis that saw one county briefly without a provider. (AP Photo/Ross D. Franklin, File)
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