The core of the Affordable Health Care law goes into effect October 1st -- which will allow millions to begin applying for coverage.
Those with online access can head over to the health insurance market place at healthcare.gov to start -- from there -- it's all about answering family and income questions .
Albert Delia is the health access director for the ECU Brody School of Medicine. We talked with him about the Affordable Care Act and what kinds of rates those who apply will see.
Delia says for comparison purposes -- the average national rate is $328.00. Here in North Carolina -- that rate will be higher -- around $360.00 for a mid level standard insurance policy. Government credits can lower those rates if an applicant qualifies.
People who already have coverage don't need to do a thing, unless of course they want to explore other insurance policies.
Delia says that rates among the insured will likely go up for younger people. He says, "They likely will see rates going up because that's the whole premise of the Affordable Care Act is that everyone participates therefore it evens out -- so people are healthy and younger -- will pay more than they have in the past because the risk is being spread out among the whole population."
There are penalties for the uninsured who don't apply for coverage.