what are the deadlines and consumers need to know, joining me now is bertha cooms. what's changed? >> if you want coverage that starpts on january 1st, you have until december 23rd. if you're procrastinating on your christmas shopping and picking your health plan you really want to get on that. you have until the 23rd to get your health plan. you get through that and you can pay and in some cases you have until january 10th to pay to make that first payment and it will retroactively have your coverage starting january 1st. a lot of people have gone through the process. they have gone the enrollment application. they just haven't selected a plan. some of the folks just need to go ahead an pick plan. for a lot of people it's complicated to figure out what's the best for them. >> if i'm having problems with the website, is the best idea to call healthcare.gov or the insurer? >> depending where you are. california has its own website. they say if you're picking until december 23rd, give us a call. they're saying even if you're just starting we'll help you get through it. they're seeing