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The medical screening tests offered by churches and other nonprofits may sound like a great idea. But some of the tests, which are performed by for-profit companies, are not recommended by national organizations because they can lead to invasive testing and unnecessary treatment.

For the system to work, however, age won't be as important as how healthy or unhealthy all the new enrollees are. And insurers won't really know that until next year, when claims start rolling in. Sick people are more motivated to sign up early, researchers say.

Insurance enrollment will be a key yardstick for assessing whether the Affordable Care Act is working. Almost as important as the total number of people who get coverage is whether a significant percentage of them are healthy.

Many health insurance policies for part-time workers will end next year and won't be renewed. Better quality choices will likely be on the menu for these workers, though they are also going to cost people more.

Among those who stand to benefit the most from the expansion of Medicaid are homeless adults. Many of these men and women are mentally ill or addicted to drugs and alcohol. Enrolling them can be difficult, but the benefits should be substantial.

Maryland-based Evergreen Health Co-op is one of nearly two dozen nonprofit insurers created by the health act. They will be owned by the policyholders and are supposed to add competition and lower prices for coverage. they're supposed to add competition and lower prices for medical coverage. But they can't do either without customers.

President Obama says he's pretty frustrated with the messed-up computer system for insurance enrollment under the Affordable Care Act. If he gets it fixed by mid-November all will be well, analysts say. But further delay could mean real trouble.

Over the next few months people across the U.S. will have to make decisions about health coverage. The questions about how that it will all work keep coming in, with people seeking details about available plans and the size of the penalties if they don't comply.

Among other things, the law prohibits treatment limits and copayments or deductibles that are more restrictive than a health insurance plan's medical coverage. Now regulations make the specifics clearer.

A likely change in obscure rules governing the Affordable Care Act could save unions a bundle. A fee that starts at $63 for each person covered by union insurance in 2014 would be waived if the administration proceeds as expected.