Applying for benefits under President Obama's health care plan could be as lengthy and complex as doing your taxes.

A draft of the application runs 15 pages for a three-person family. The online version has 21 steps, some with additional questions.

Proof of identity and income will be required, and applications will be checked by three federal agencies, including the IRS. The first step of the lengthy process will determine if you qualify for financial assistance.

Once you're finished with that part, actually picking a health plan will require additional steps, plus a basic understanding of insurance jargon.

Under Obamacare, all Americans will be required to have some kind of health insurance.

Some are concerned that a lot of uninsured people will be overwhelmed and simply give up.

Ron Pollack, executive director of Families USA, called on the administration to simplify the form and provide counselors to help people navigate the two processes, calling them "enormously time consuming and complex."

The Department of Health and Human Services estimates more than 4.3 million applications for financial assistance in 2014.

The new coverage is slated to begin Jan. 1.