• But understanding your plan -- such as knowing your deductible or any co-pays for which you're responsible -- will help you prepare for upcoming expenses.

    CNN: 4 ways to control your health care costs

  • Companies design the plans and pick and choose among features, so you have to invest a little time in understanding how your plan works.

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  • The regulations cover a myriad of issues--from "guaranteed" coverage for all applicants (regardless of health condition) to pooling micro-businesses with individuals in order to reduce costs. (One caveat on "guaranteed" coverage: It comes at a price, and with few plan options.) Understanding these rules will help you navigate your policy options later on.

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