Examining your health insurance options under Obamacare ---- Starting Oct. 1, millions of Californians can start signing up for health insurance under the federal Affordable Care Act. --- In addition to new coverage options, the healthcare law changes the rules of the insurance game for many consumers. It also requires most Americans to get health insurance or pay a penalty. ---- The earliest policies take effect is Jan. 1. You'll need to buy a health plan no later than Dec. 15 if you want your benefits to kick in at the start of the year. - More, latimes