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Consumers must select a plan by Dec. 15 to have coverage by Jan . 1
You select a plan, and you can decide whether you want the subsidy paid directly to the insurer or not.
States sponsor these plans for a fee, but you don't have to select a plan where you live.
But small businesses will be eligible for tax credits, and the exchanges will make it easier for them to select a plan.
But when it came time to select a plan, Ms. Ferguson worried that the malfunctioning website would prevent her from signing up.
If you find that one or more of your doctors do not accept any insurance plans, then you'll want to select a plan that reimburses you for your costs when you go out of the network.
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So instead, she enrolled directly through Blue Cross and Blue Shield of Texas, selecting a plan that was also offered in the marketplace.
But, she said, before selecting a plan, beneficiaries need to do their homework, comparing benefits, physician rosters and prescription drug lists of different plans.
After selecting a plan, they are directed to a page on healthcare.gov, where they enter information to determine their eligibility for tax credits and cost-sharing reduction.
Of those who selected a plan, 11percentt were Latinos, the same proportion as last year, and 14percentt were African-Americans, down from 17percentt last year, the report said.
Anyone who selects a plan that includes abortion coverage would have to pay two separate premiums -- even single men or older women, who would not need abortion coverage.
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