Other types of plans may be less expensive, because to compensate for the funds they will lose now that Mr. Trump has ended the cost-sharing payments, insurers have generally raised the price of silver plans more than those in the bronze, gold and platinum categories. As a result, some gold plans will now be less expensive than some silver plans, even though gold plans cover more of the costs of a typical consumer.

Sorting through these complications will be difficult for many consumers.

At a Halloween “safety expo” at Coliseum Medical Centers here on Saturday, several hundred parents and children filed past an Insure Georgia table by the front door, where Amber Higgins, another navigator, asked over and over, “Do y’all have health insurance? You know anyone who’s doing without it?”

“My niece who just moved here from Ohio,” said one woman, taking a flier.

“My sister in Texas,” said another.

“Me,” said yet another woman, scanning the income requirements for receiving subsidies, which Ms. Higgins had placed in a frame.

The response was not surprising. Georgia has the nation’s fourth-highest number of uninsured residents, after Texas, California and Florida. In some of the state’s rural counties, enrollment under the Affordable Care Act dropped by as much as 36 percent this year, according to a new report, which pointed to the diminishing choice of insurers in rural areas as a likely reason.