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Open enrollment for the online health insurance marketplace started Tuesday morning.

We've been updating you on technical problems on thehealthcare.gov website.

But some can't even get online.

The Pew Center for Research says 21 percent of Americans who lack health care do not use the Internet.

Without Internet, some people are heading to a public library to access the health insurance marketplace.


The Middle Georgia Regional Library in Macon has 46 computers and free wireless Internet.

A librarian there told 13WMAZ's Anita Oh that, so far, she's gotten few questions from users who are having trouble with the health exchange.


As sign-up for health plans continue, she says the library expects more demand and more wait time for the computer lab.

We've also been addressing your questions that have come in through Facebook about the health law and the marketplace.

Stephanie Johnson asks, "I'm a stay-at-home mom and part-time student. Will this affect me?"

The health law affects everyone by requiring each person to buy health insurance or pay a fine.

Most schools will still offer a health plan for part-time students,or you can browse the marketplace for a low-cost plan.

Fran Gibson wonders, "We can't afford to buy insurance. How am I supposed to pay a fine?"

You'll want to get onto the marketplace to see exactly what those costs will be.

You may be able to get tax credits that will offset a high premium.It'll cost you either way. If you don't get insured, a fine will be taken out of your tax returns next year.

As we told you earlier this week, if the premiums exceed 8% of your income, you're exempt from the insurance requirement."

Colleen Clark says, "I'd like to know how the law is going to affect Humana."

Humana is one of 5 insurance companies that is offering plans for Georgians through the marketplace.

You can stick with your private Humana plan if you like it. You'll want to check with them to see if any of your benefits are changing.

It's a good idea to check healthcare.gov too. You might qualify for a cheaper plan.

Amanda Walters asks, "What if you have no income? Do you still have to have insurance?"

Most Americans will be required to have insurance, regardless of income.

The health insurance exchange is set up to help people who may not be able to afford a plan otherwise.

You'll want to sign up on the site and see what low-cost plans are available.

Dana Britt asks, "Will I now be able to purchase an individual policy for my children through an exchange?"

You can buy a plan on the marketplace for your kids, but you'll also want to look into Medicaid and the PeachCare for Kids program.

That's an option for free or low-cost care for uninsured children, and whether you're eligible will depend on your income.

Jeannie Rogers asks, "Will these plans change for the better with lower deductibles, or will there be less coverage and higher deductibles?"


There will be 4 different plan levels to choose from: bronze, silver, gold and platinum.

The cheapest bronze plan has the least coverage and higher out-of-pocket costs, and that ratio flips as you move up in plans.

You may be eligible for cheaper deductibles, too.

Check the marketplace and compare plans to see which one works best for you.


Follow 13WMAZ's Anita Oh on Twitter @anita_oh and ask questions about the health care overhaul on Facebook at Anita Oh WMAZ.
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