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The new health insurance exchanges are now in their second week, and almost across the board, it has been a rocky start. But just how rocky depends on what state you live in and how many navigators have been hired to help people sign up.
Getting rid of the tax, which helps raise money to fund the health law, might help break the budget battle logjam.
Once consumers are primed to enroll, the hand-off to counselors has been rocky. Many counselors are still attending training or are awaiting background checks and state-issued licenses; some just need a computer log-in.
A contract worker looks for more consistent coverage.
In Mississippi, one of 36 states dependent on the federally run health insurance marketplace, consumers continue to face long delays and other technical difficulties.
Health reform in Massachusetts -- also known as "Romneycare" -- had a messy start in late 2006, but the state figured out how to make sure nearly everyone has insurance coverage.
The health law provides for subsidized coverage for basic and preventive services for kids, and some states are requiring that they be included in every policy.
Intermittent problems with MNsure's online insurance marketplace persist, but officials are saying consumers will have an easier time this week.
Brokers and insurers can sell their traditional products, but they may also sell some plans available on the marketplaces that offer subsidies for customers.
Since Gov. Pat McCrory has proposed privatizing Medicaid, managed care companies from out of state have been increasing their presence in North Carolina.
The health law expands coverage for preventive services, but it only applies to those who have insurance policies.
Even the same plan can carry dramatically different price tags in different areas
Many will find better coverage with smaller monthly premiums on the exchanges set up under the Affordable Care Act, insurance specialists say. But some low-income part-timers are finding they don't qualify for federal health insurance subsidies.
Consumers should start now thinking about their options and should weigh the total costs, not just premiums, as well as the network of doctors and hospitals associated with each plan.
Insurance companies confirm a small number of successful signups through the federal website.
Health Insurance brokers, once worried the health law would put them out of business, are now planning on flexing their expertise muscles to help guide people through the process of buying and getting the most out of their coverage.
Brad Stevens, 54, learned the hard way that being uninsured was risky as accidents and illness took a toll. Soon, he'll qualify for California's expanded Medicaid program.
The health law provides new marketplaces for employers with 50 or fewer full time workers, designed to offer more affordable insurance to mom-and-pop businesses that have long had to pay more than large companies.
Pardit Pri, 29, is among the 5 million uninsured people in California. Insurance would give her peace of mind, but she worries whether she can afford it.
The federal health insurance marketplace continued to frustrate consumers Wednesday with delays and software failures, but some people also reported progress.
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