Californian State Assemblyman Richard Pan (center) is the author of legislation that would bar higher prices for health insurance sold to smokers. Rich Pedroncelli/AP hide caption

itoggle caption Rich Pedroncelli/AP

Confusion over the details of the new health care law is leaving many people vulnerable to con artists. Evelyne Lois Such, 86, was recently the target of an attempted scam. Matt Nager for NPR hide caption

itoggle caption Matt Nager for NPR

Before your doctor gets to this, make sure he'll bill the colonoscopy as a screening test rather than a diagnostic one. Sebastian Schroeder/iStockphoto.com hide caption

itoggle caption Sebastian Schroeder/iStockphoto.com

Shops and other small firms may be open, but health insurance exchanges will take a little longer before they're ready to offer a full range of health plans for small business customers. iStockphoto.com hide caption

itoggle caption iStockphoto.com

Chick-Fil-A employees Jennifer Cummins, right, and Joshua Figaretti work out in the gym during lunch at the company's corporate headquarters office in Hapeville, Ga. Increasingly employers are offering health plan incentives to encourage healthy behaviors from workers. Ric Feld/AP hide caption

itoggle caption Ric Feld/AP

A shopper at a branch of South African retailer Pick n Pay in Johannesburg. Health insurer Discovery offers rebates on health food at the chain to its members who enroll in a health promotion program. SIPHIWE SIBEKO/Reuters /Landov hide caption

itoggle caption SIPHIWE SIBEKO/Reuters /Landov

Patients say they feel little personal responsibility for keeping health costs lower. Andrei Tchernov/iStockphoto.com hide caption

itoggle caption Andrei Tchernov/iStockphoto.com

Outside the office of Utah Gov. Herbert Friday, Betsy Ogden lays paper chains on a pile symbolizing uninsured state residents who would be covered by a Medicaid expansion. Rick Bowmer/AP hide caption

itoggle caption Rick Bowmer/AP

Colonoscopy copay? Zero. iStockphoto.com hide caption

itoggle caption iStockphoto.com

Luz Sepada, 59, lives in South Tucson, Ariz. Before the University of Arizona Health Plan assumed control of her medical care, Sepada was hospitalized 10 times in one year. After she was assigned a UAHP case manager, Sepada has been able to stay at home with no trips to the emergency department. Sarah Varney/KHN hide caption

itoggle caption Sarah Varney/KHN

The heath exchange Mississippi Insurance Commissioner Mike Chaney had in mind got turned down by the federal government. Rogelio V. Solis/AP hide caption

itoggle caption Rogelio V. Solis/AP