Vanessa Renderman
The Times of Northwest Indiana
December 22, 2013

Obamacare penalties courtesy of Healthcare.gov
Screen capture from Healthcare.gov. Click to enlarge
Monday is the deadline for people who want to buy health coverage through the insurance marketplace and have that coverage start Jan. 1.

The Affordable Care Act requires Americans to have health care coverage in 2014.

Most carry insurance through employer or government programs, but the U.S. Census Bureau reported about 48 million Americans were uninsured in 2012.

The law, often called Obamacare, has undergone numerous adjustments and delays — as well as technical problems — since open enrollment began Oct. 1.

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