We can’t say this enough —— get your health insurance coverage in place now, before you are forced to get what is on offer in 2014. That’s not to say the health insurance plans won’t be flexible, because they might be. However, chances are they won’t be as flexible then as they are now, simply because it appears there will be fewer policy choices. Fewer policy choices may mean less flexibility, because being too flexible would cost more. See, it’s like a revolving door in some respects. No one knows when it will stop being a moving target.