October 1st is start of "open enrollment" for plans mandated by the Affordable Care Act. Unfortunately individuals still have questions regarding how the healthcare law will affect them. I hope the following is helpful: A) Open enrollment is October 1 to March 31, 2014 and plans chosen in 2013 are not effective till January 1, 2014. B) Individuals who do not have a health plan can purchase on or off the exchange and on the exchange there are a limited number of carriers and plans will have a limited provider and hospital network. C) Plans effective January 1, 2014 will have 10 "essential health benefits" and those purchased prior to January are not required to have the EHB's and those plans will be in place for a 12 month period. If you have a specific question or concern don't hesitate to contact me at www.insphereis.com/bob.smith with no obligation.