Hackel has just a temporary job with health coverage below federal standards.
That bring us to the first thing you should know. Anyone without health insurance needs to buy it. That can be done on the health insurance marketplace. If you do have insurance through your employer, you don't have to do a thing.
You can apply for insurance four ways: online at Healthcare.gov—at least when it's working, fill out a paper application, enroll by phone, or work with a certified application counselor.
Prices on the marketplace can look daunting. But there is help.
"The law gives subsidies to people within a certain income level to help them pay for their premiums," said Mary Testin of the Bridge Community Health Clinic.
Those subsidies are only available if your employer does not offer what the government considers affordable insurance.
"Take a look, see if you can get subsidies. It can really help you," said Testin.
When do you need to buy insurance? That's the second thing you should know. If you want coverage to begin January 1, you must purchase by December 15. If you buy after that, it could take as long as 45 days for your coverage to begin.
The absolute deadline to buy insurance is March 31.