Daily News Guide to Affordable Care Act, Part III: Those without health insurance must sign up by March 31
"Applying for financial assistance may take extra time," said Cheryl Fish-Parcham, program director of private insurance at Families USA. In order to keep their costs down, some insurance companies are offering narrow networks in their exchange plans. That means you'll need to dig in to see if the doctors and providers you want are in the network. "You need to research the provider network," said Karen Pollitz, a senior fellow at the Kaiser Family Foundation. "If you take medication, you need to research the formularies." At the end of the day, you may find the experience was worth the time and effort.