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Plans offering coverage that lasts 364 days can cost half as much as those that are in force for a year. But the savings may be illusory for people who need care for injuries or illnesses because the coverage can be skimpier.

Insurance enrollment will be a key yardstick for assessing whether the Affordable Care Act is working. Almost as important as the total number of people who get coverage is whether a significant percentage of them are healthy.

Many health insurance policies for part-time workers will end next year and won't be renewed. Better quality choices will likely be on the menu for these workers, though they are also going to cost people more.

For the system to work, however, age won't be as important as how healthy or unhealthy all the new enrollees are. And insurers won't really know that until next year, when claims start rolling in. Sick people are more motivated to sign up early, researchers say.

Among those who stand to benefit the most from the expansion of Medicaid are homeless adults. Many of these men and women are mentally ill or addicted to drugs and alcohol. Enrolling them can be difficult, but the benefits should be substantial.

In the past, many psychotherapists ran their own little businesses. But changes in health care coverage mean that many must start accepting insurance and doing paperwork. That's leading some therapists to form group practices or join large medical groups — and may lead to better care for patients.

Over the next few months people across the U.S. will have to make decisions about health coverage. The questions about how that it will all work keep coming in, with people seeking details about available plans and the size of the penalties if they don't comply.

Among other things, the law prohibits treatment limits and copayments or deductibles that are more restrictive than a health insurance plan's medical coverage. Now regulations make the specifics clearer.

People with employer-based health plans won't have to shop for coverage on the exchanges. Still, the federal health law can affect them. As employers adjust plans to meet new requirements, people can expect to see changes in their coverage.

After Angelina Jolie announced she has a genetic variant that raises her risk of breast cancer, many women asked their doctors for the test. Insurers will pay for tests only if there's a clear indication that it would help shape medical care. That's often not the case.