1 / 15

The Health Insurance Marketplace Starts Back Up on Nov. 15 - Are you one of the people who missed out on the Obamacare deadline for health insurance earlier this year? Well don’t fret. The marketplace is opening back up on Nov. 15. Read more about how to enroll and why health care matters to you. — Kellee Terrell(Photo: Christopher Futcher/Getty Images)

Photo By (Photo: Christopher Futcher/Getty Images)

2 / 15

Obamacare Works! - Despite last year’s rocky start, more than 13 million Americans enrolled in the health insurance marketplace. It has strenghened the health care of those with existing plans. Plus, since the Affordable Care Act was signed, it’s sparked almost 1 million new jobs in health care.  (Photo: Joe Raedle/Getty Images)

3 / 15

Why Is Health Care Changing? - The Affordable Care Act was passed in hopes that more Americans will have access to affordable and quality health care. The first step in getting uninsured people access to care is by enrolling them in a health care program. That program is either private insurance or a federally funded program. Private health care is in full effect starting Jan. 1, 2015. (Photo: AP Photo/J. David Ake)

4 / 15

What Is the Health Insurance Marketplace? - This new marketplace is a set of government regulated health care plans from different companies that you can purchase. All insurance is through private companies, but you can save money depending on your family size, income and state you live in. FYI: The marketplace is different for every state.(Photo: ColorBlind Images/Getty Images)

5 / 15

What’s Offered? - Each health care plan through the marketplace will not turn you down because of a pre-existing condition — that is now illegal. Each plan will offer the following: maternity and newborn care, mental health services, prescription drugs, emergency services and lab tests to name a few. For a complete list, go here. (Photo: Joe Raedle/Getty Images)

6 / 15

How the Marketplace Can Save You Dough - For those of us in low-income households, there are certain tax breaks that can come with the insurance plans. For people making up to 100 and 400 percent of the federal poverty level, you are eligible for premium tax credits (A family of four making 33K or less per year, for example, is living 138 percent of the poverty line). For those who live 100 and 250 percent, you may be eligible for certain reductions in price for your plans. (Photo: Bruce Laurance/Getty Images)

7 / 15

The Details on Open Enrollment - You can begin looking for insurance health plans starting Nov 15 and will run until Feb. 15, but if you want coverage to start Jan. 1, you’ll need to enroll by Dec. 15. Remember: If you have a plan and want to change it, this is a time for you to do that too.(Photo: mother image/Getty Images)

8 / 15

What Happens If You Don’t Enroll - If you are one of those who are required to enroll and don’t, you face a monetary penalty when you file your taxes next year. That penalty will be more expensive than it was before — “for example, for an adult, the flat rate penalty goes from $95 to $325 and for a family, it can go from $285 to $975,” ABC.com writes. (Photo: Joe Raedle/Getty Images)

9 / 15

Who’s Exempt? - Some folks are exempt from enrolling into the Health Insurance Marketplace. They include: Folks enrolled in health care for low-income Americans such as Medicare, Medicaid and CHIP. Others include people who are incarcerated, undocumented immigrants, people who don’t make enough money and Native Americans.  (Photo: AP Photo/Jon Elswick, File)

10 / 15

Get Your Info Together! - Before open enrollment starts on Nov. 15, there are things that you can do to get ready. For starters, you can create your account now online, gather information about your income and household and set a budget for how much you are willing to pay. You can also sign up for email alerts about the new health care market.(Photo: Getty Images)

Photo By Photo: Getty Images

11 / 15

Study the Plans - Before you sign on to any insurance policy, you need to answer some questions, says a recent article in the Tennessean. Will this plan allow you to see your current doctor? Will this plan allow you to use your local hospital? And if you travel often, will this plan cover you when you are out of town? (Photo: Adam Berry/Getty Images)

12 / 15

Educate Yourself - No lie: The Affordable Care Act is complicated. But there are plenty of resources out there to help you navigate the plans, where to sign up and understanding things like deductibles, co-pays and out-of-pocket expenses to name a few. All of this is important when figuring out which plan you want.(Photo: Tetra Images/Getty Images)

13 / 15

Utilize The Online Webinars - Need extra help? The government is offering numerous online webinars to walk you through what you need to know about the Health Insurance Marketplace. Webinar dates are from noon to 1 p.m. on Friday, Nov. 14, and Dec. 5. Registration will close the day before each webinar. Learn more here.(Photo: AP Photo/Eric Gay, File)

14 / 15

Medicaid and CHIP - For those who are eligible for Medicaid — government issued insurance for certain low-income families — and Children’s Health Insurance Program — insurance for children who live in low-income families — you don’t have to wait for October to enroll or January for your insurance to kick in. If you qualify for these forms of coverage, you can apply for it now and get covered immediately. (Photo: Bill O'Leary/The Washington Post via Getty Images)

15 / 15

Why This Matters to You - Despite the success of Obamacare, Latinos and Blacks, especially women, are still vulnerable to racial health disparities. So it the key is getting more of us enrolled and linked to care. Remember: Health care is a right. So exercise that right!(Photo: Joe Raedle/Getty Images)