Thursday was the final day to select an Affordable Care Act health insurance plan across much of the country, as the expiration of federal subsidies drives up health costs and lawmakers remain locked in a debate over how to address the issue.

That’s when the open enrollment window ends in most states for plans that start in February. About 10 states that run their own marketplaces have later deadlines, or have extended them to the end of the month to give their residents more time.

The date is a crucial one for millions of small business owners, gig workers, farmers, ranchers and others who don’t get their health insurance from a job and therefore rely on marketplace plans. A record 24 million Americans purchased Affordable Care Act health plans last year.

But this year, their decisions over health coverage have been more difficult than usual as clarity over how much it will cost is hard to come by. And so far, enrollment is lagging behind last year’s numbers — with about 22.8 million Americans having signed up so far, according to federal data.