The Department of Health and Human Services Friday released an analysis of consumer choice and premiums in the 2016 Health Insurance Marketplace, which focuses on states that use the HealthCare.gov platform. According to HHS, 86% of current Marketplace enrollees can find a lower premium plan in the same metal level before tax credits by returning to the Marketplace to shop for coverage. A 27-year-old with income of $25,000 a year will on average get an annual tax credit of $1,164, compared to $972 in 2015, the agency said. Open enrollment for 2016 began yesterday.