Health care reform is just around the corner.

Here are some tips to get your act together.


Have an insurance plan.

If you’re an employee, employer, or a student with a medical condition, you’ll be able to get health insurance coverage under the Affordable Care Act.


Be careful.

It’s not going to be easy to make ends meet without insurance.

In most states, the individual mandate will kick in on January 1, which means people will have to pay a penalty for not having insurance.

And if you have coverage through your employer, you won’t be able keep it for as long as your health care coverage.

But for some people, health insurance could be worth the hassle.

Here’s how to plan for coverage and how to make sure you don’t run into problems.


Get a quote.

It may be cheaper than buying insurance on the exchanges.

Some insurance plans can be more expensive, but some insurers are offering cheaper plans than others.

And there are still some states that have no health insurance exchanges at all.

You’ll have to figure out which insurance plan is best for you.


Be ready.

As long as you’re covered by your employer’s health insurance plan, you should be able go to work, pay bills, and make payments on time.

But if you don’s have health insurance and have a medical emergency, there are things you can do to stay safe.

Here is what to do in your state if you’re eligible for a waiver.


Read the law.

Read up on the new law before you sign up.

Learn what to expect and what you need to know about the new rules.


Find out if you qualify.

You can apply to get a waiver if you: are a US citizen, are a permanent resident, or are eligible for an exemption.


Get help.

Find a health care provider that can help you get coverage.

It can be a doctor, hospital, or clinic.


Get involved.

Ask your state’s representatives if you can contact them directly.

Find local news coverage of the law and other issues, and watch for health care groups that can get your message out.


Get an estimate.

If your state doesn’t have an exchange, you can use an estimate website to get an idea of what you’ll pay and when.


Plan ahead.

Make sure you have insurance and take your medications.


Pay attention to what your doctor tells you.

The new law requires health care plans to disclose to you if they have certain exclusions.

You should have that information available in your health plan’s benefits.


Get the help you need.

If health insurance isn’t affordable, talk to your doctor, nurse practitioner, or other health care professional.

If they can help, get the help that you need, including getting help with deductible, copay, and coinsurance.