Text provided by staff writers of The Palm Beach Post
What do I have to do?
Beginning Jan. 1, everyone will have to have health insurance. Policies must include what the government considers minimum essential benefits. People without health insurance, with some exceptions, must pay a penalty when they file their tax return in 2015.
The basics on getting insured in the new marketplaces
Where to go: Choose your state from the list at Healthcare.gov to apply for coverage or compare plans.
When: Open enrollment starts Oct. 1 and runs through March 31, 2014
Fill out an application.
The government gives you options and helps you compare coverage and costs (including deductibles, premiums and out-of-pocket expenses.)
You decide whether to enroll and, if so, pick a plan.