Tips from experts on buying health insurance under President Barack Obama's new healthcare law:
Deadlines: Dec. 23 to sign up for coverage by Jan. 1. Enrollment continues through March 31. Miss that deadline and pay a penalty for next year of $95 or 1% of your income, whichever is higher.
Costs: Unless you're poor and qualify for Medicaid, you'll pay a monthly "premium" fee to an insurance company for coverage. Before the company covers actual medical costs, you may have to pay a certain amount called a deductible, in addition to a possible set fee for a doctor visit (copay) or a percentage of the cost of a medical service (coinsurance). These costs are outlined on HealthCare.gov, a federal government website, for each insurance plan. Click on "See plans before I apply."