Enrollment began last weekend for Americans to get health insurance in 2015 through the federal HealthCare.gov and state marketplaces amid expectations of a smoother process and more transparency than in the first year. As the health insurance marketplace enters its second year, the focus is on helping consumers gain a better understanding of premiums pricing, deductibles and provider networks. Consumers face higher premiums but could also see more insurers in their states and more competitive plan offerings. They are also adjusting to narrower network access for lower premiums — which, in combination with incentives to doctors, promises to improve quality of care. Meanwhile, the politicization of the Affordable Care Act (ACA) means it faces continued assaults in a Republican-controlled Congress well into the 2016 presidential election season. “The No. 1 concern is premiums. This year, premiums will go up on average about 3%,” said Wharton lecturer of health care management Daniel N.…