Enrollment in the health-care marketplaces still appears to be lagging halfway through the ACA’s sixth sign-up season. Total sign-ups this year are down by about 300,000 people compared to the same time last year—a roughly 11% decline. However, this is the first year marketplace premiums are dropping instead of rising. Not only are premiums lower, but government subsidies for low-income Americans who want health insurance continue to be more generous than in years past.