The next open enrollment period to get health coverage under the Affordable Care Act, also known as Obamacare, begins Nov. 15. It runs through Feb. 1, 2015. Free help is available in choosing the right plan and getting coverage is important because those who don't have health care by the time the enrollment period closes will be fined.

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"With the Affordable Care Act, no one can ever be denied coverage for a pre-existing condition so I think it's a great reminder for anyone who in the past was denied coverage," said Alescia Teel, deputy state director with Enroll America. "The great news is 84 percent of New Jerseyans who've enrolled in health care received financial help to pay for the plans."

This year, there are more options including more health insurers and plans to choose from, and New Jerseyans can start the application process now, Teel said.

"There's free, in-person help from professionals available across the state so you can get extra help picking a plan that meets your health care needs and fits your pocketbook. You don't have to go at this process by yourself," Teel said.

To get more information or to get in-person assistance you can go to www.getcoveredamerica.org. Those who already have coverage are encouraged to look again at www.healthcare.gov and explore new options and different plans. Having coverage is very important.

"Unfortunately if you fail to enroll in health care coverage, there is a fine and this year the fine is $325 or 2 percent of your income, whichever is higher," Teel said.