Obamacare customers who do not receive government help to pay for health insurance are expected to look for ways to reduce their costs during this open enrollment season by going uninsured, buying less extensive coverage or altering their incomes.

Industry and nonprofit insiders say people who are looking for ways to reduce their spending on monthly premiums tend to seek alternatives to Obamacare plans, such as through a religious health-sharing ministry, short-term health insurance, or indemnity plan. Others may choose to go uninsured or reduce their incomes so they can receive federal assistance.