Maygan Rollins, a field organizer with Enroll America, talked health insurance options with Jerry Correa during a recent campaign in Miami. Lynne Sladky/AP hide caption

itoggle caption Lynne Sladky/AP

The majority of what happens on Jan. 1, 2013, is tax increases and cuts in tax deductions to pay for the changes coming in 2014. iStockphoto.com hide caption

itoggle caption iStockphoto.com