The Affordable Care Act (ACA) opened enrollment just two months ago and, while much has been said about the government's implementation, little has been said about the consumer's journey or the role the health insurance companies play-or not play-along the way. A recent assessment of a few State-based Market places1, State-Federal Partnerships2, and Federally Facilitated Marketplaces3, shows that many Hispanics, the greatest source of growth of eligible uninsured in key markets, have great challenges to engage through ACA.