Many people without health insurance have been sizing up policies on the new government health care marketplace and making what seems like a logical choice: They're picking the cheapest one.
Increasingly, experts in health insurance are becoming concerned that many of these first-time buyers will be in for a shock when they get medical care next year - and discover they're on the hook for most of the initial cost.
Monday is a key enrollment deadline for the health law. The prospect of sticker shock after Jan. 1, when those who sign up for policies now can begin getting coverage, is seen as a looming problem.
Counselors who have been helping people choose policies say many are focused only on the upfront cost, not what the insurance companies agree to pay.