The new healthcare law allows you to purchase health insurance through a new online marketplace where you can shop among affordable choices, explained in easy-to-understand language. In many states, premiums are dropping, often substantially. And for people with the lowest income levels, coverage will be completely free. For other incomes, discounts may apply.

The deadline to enroll for coverage in 2014 was March 31, 2014. However, if you started the enrollment process before the deadline, you until April 15 to complete the process and get coverage.

Just like Election Day, if you are in line when the polls close, you get to vote. The doors won’t be closed on those who tried to get covered before midnight on March 31 and were unable to do so through no fault of their own.

And in some cases, you can still apply for health coverage after the deadline. Learn more at Healthcare.gov or CuidadoDeSalud.gov

The open enrollment season for coverage in 2015 will start November 15, 2014.

Getting affordable health coverage means you’re covered when you need it. As you build your life on your terms, you can rest easy knowing that your finances won’t be turned upside down by health care costs from an illness or accident. Here’s how to enroll:

NAVIGATORS IN YOUR COMMUNITY

Navigators are trained specialists at certain organizations in the community, such as local health centers and libraries, who offer face-to-face help by answering questions or assisting with the application process. A Find Local Help section on both HealthCare.gov and CuidadoDeSalud.gov will give you the right information about where to go for help in your community.

BY PHONE

The U.S. Department of Health and Human Services has established call centers with trained bilingual staff that can provide you with help, 24 hours a day, 7 days a week, at 1-800-318-2596.

ONLINE

At HealthCare.gov or CuidadoDeSalud.gov.