You and the New Health Law

Ever since he retired, Mark Yurqiw has bought his own insurance. But he says the premiums keep going up, and it gets harder to understand what's actually covered.

Mark Yurqiw explains, "It's a terrible situation to be in, not knowing what you're going to have to pay for something, and there's no limit to what you could be paying for it."

Like Mark, about one in five Americans buys individual health insurance or is completely uninsured. Under the new health care law, they'll find an entirely new way of choosing and purchasing insurance.

Starting October first, each state will have a kind of virtual insurance store, or martketplace.* There, you can compare plans and learn whether you qualify for financial assistance.

Nancy Metcalf with Consumer Reports says, ""If your current plan is really expensive or excludes a lot of services, you may find you qualify for a better plan at a lower cost on your state's marketplace."

But not everyone needs to shop for new insurance.

Nancy points out, "Most Americans already have insurance, either through someone's job or through a government program like Medicare or Medicaid. They probably won't have to do anything, but it never hurts to check."

To find out what you need to do, Consumer Reports has designed a free online tool called the Health Law Helper.

First, answer some simple questions like "What age will you be on January first?" … "How many people are in your family?" … and "What is your family's yearly income?"

Then click to get your results.

Nancy says, "You'll learn what options you have to help you comply with the law. And you'll get information about the next steps to take."

Mark Yurqiw hopes he'll finally be able to cut his health care costs.

The health care tool from Consumer Reports is available at

Consumer Reports notes this year only, you'll have until the end of March to purchase insurance through the marketplace.

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