This fall, health insurers are fastening their seat belts—and hoping the ride will be a bit less bumpy than last year's.

On Nov. 15, the health-law marketplaces will reopen for business, selling coverage to millions of Americans. Last October's debut of the online exchanges was widely seen as disastrous, with technical malfunctions early on preventing many consumers from buying plans or freezing them in confusing limbo.

Eventually, fixes and workarounds enabled about eight million people to select plans through the government marketplaces. But the delays meant many people didn't sign up until late in the enrollment period, which wound down in April, leaving insurers little time to assess their new enrollees and figure out rates for next year.

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