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On Tuesday, October,1 2013 the market place exchanges will open to the public. This will allow you to purchase health insurance for yourself and your family or dependents. Depending on your income you may be eligible for a subsidy to assist with buying the health insurance. There a 4 plans to choose from Bronze, Silver, Gold and Platinum. If you want to save on cost a high deductible health plan (HDHP) probably has the lowest cost. If you combine this with a health savings account (HSA) this will help in managing unforeseen medical costs. Money in an HSA can be carried over to the new year.