People are having to chose plans that serve their needs best and that means people need to be more informed.
Everyone's needs aren't the same, so buyers beware.
Don Silver, author "The Best Obamacare Guide" says you have to be a savvy consumer.
"It's tough. You're balancing policy provisions, you're balancing higher deductible versus lower premiums -- and what is the right point for me? You have to understand co-pay, co-insurance, annual deductible and out of pocket expenses and see how this all comes together for them."
Silvers says we still don't have firm numbers about how many young healthy people have signed up for coverge versus those who are older and probably sicker. He thinks around 25 to 30 percent of the enrollees are under 35.