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Defining the often confusing health insurance terms




A healthcare reform specialist helps people select insurance plans at the free Affordable Care Act (ACA) Enrollment Fair at Pasadena City College on November 19, 2013 in Pasadena, California. The event, sponsored by the Chamber of Commerce and the Los Angeles Association of Health Underwriters, offers one-on-one sessions with insurance experts certified by Covered California to help people enroll for healthcare coverage under the ACA.
A healthcare reform specialist helps people select insurance plans at the free Affordable Care Act (ACA) Enrollment Fair at Pasadena City College on November 19, 2013 in Pasadena, California. The event, sponsored by the Chamber of Commerce and the Los Angeles Association of Health Underwriters, offers one-on-one sessions with insurance experts certified by Covered California to help people enroll for healthcare coverage under the ACA.
David McNew/Getty Images

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The Affordable Care Act is forcing millions of Americans to confront the daunting challenge of picking health insurance.

RELATED: FAQ: What the heck do all of those health insurance terms mean?

Millions more are considering their options during open enrollment at their jobs. But how many truly understand what's being offered by the insurance companies? KPCC's Stephanie O'Neill can help.