Monday night is a key deadline to sign up for Obamacare. But the New Year could bring a big case of sticker shock when that health care coverage begins.
Counselors say many first-time buyers are choosing the cheapest policies, but they also come with the highest deductibles. That means buyers are responsible for most of the initial cost.
It's a significant problem even Sen. Joe Manchin, D-W.Va., addressed in weekend interviews.
"At the end of the day, if it's so much more expensive than what we anticipated and that the coverage is not as good as what we've had, you've got a complete meltdown at that time. So this transitional year gives you a chance to adjust the products to the market and to see if the market will absorb and buy the product," Manchin said.
Meanwhile, the Obama administration has announced another last-minute attempt to fix to Obamacare with a "temporary hardship exemption." The exemption would give people with plans that have been cancelled under the law a chance to purchase a basic catastrophic plan and avoid the law's tax penalties.
Still, Republicans say the fix is unworkable.