I have health insurance through my employer. How will the exchanges affect me?

If you're eligible for job-based insurance, you can still look into the insurance plans offered through an exchange. But you won't qualify for lower costs unless the insurance offered by your employer is unaffordable or doesn't meet minimum requirements.

If job-based insurance from your employer costs more than 9.5 percent of your annual household income, you may be eligible for a tax credit. Check with your employer's human resources department if you have questions. The same is true if you receive retiree health insurance benefits.

Do the plans offered through exchanges have copays and out-of-pocket costs?

Yes. As with all health insurance plans, the plans offered through the exchanges have some out-of-pocket costs and copays. You can compare plans to see what the costs are likely to be for you.

How do I know if the plan I select will let me continue to see my doctor?

Health insurance plans offered through the exchanges must make a directory of participating doctors available to you. Be sure to check the directory or call your doctor to check on his or her participation before you choose a plan.

Feb. 05, 2014 See more In-depth