Health care exchanges (or the “health insurance marketplace”) were created by the Affordable Care Act and allow those people who don't get insurance through an employer or government program to purchase health coverage. Coverage options vary by state; some states have exchanges run entirely by the federal government, and others will create their own exchanges. (Learn more about individual state exchanges here. You can also visit HealthCare.gov to see coverage and price options.)

Those seeking to purchase insurance have until March 31 to make a choice. Those who do not have insurance by that date face a penalty of one percent of yearly income or $95 per person, whichever is higher. (The penalty increases each year through 2016.)

All available insurance plans will offer “essential health benefits” (EHB) that cover things like emergency services, maternity, neonatal and pediatric care, and preventative services. Unfortunately, the federal government did not include a comprehensive definition of what pediatric benefits must be included in each