You may need to wait to get coverage
Typically, consumers can only purchase health insurance during certain open enrollment seasons or within 30 days of life-altering events, such as marriage, divorce, the birth of a child or a change in job status. For example, policies in the new health insurance marketplaces will be sold from Oct. 1, 2013 to March 31, 2014.
"There's a fantasy out there that if you're in the emergency room waiting to see a doctor, you'll be able to hop on your iPad and sign up for health insurance," said Cooke. "It's not going to work that way."