The insurance "exchanges" set up under the Affordable Care Act, where people can shop online for health insurance, went live on Oct. 1, and an estimated 48 million uninsured Americans can use them to try to find an affordable plan. The 2010 Obamacare law requires that people have health insurance, or that they pay a fee starting next year if they choose to opt out.
Here are the ins and outs of forgoing health insurance.