Affordable Care Act kicks in despite government shutdown

Despite the government shutdown, key new provisions of President Obama's new health care law are kicking in Tuesday.

Millions of Americans can now shop around for medical insurance coverage through the new federal and state online health insurance exchanges.

"Most Americans aren't even going to need to do this. If you're already covered by your employer or if you're covered by Medicare. You don't have to use this website," said ABC News Business Correspondent Rebecca Jarvis.

Bottom line, everyone needs to have insurance by January 1st or will eventually face fines of $95 per person but as long as you sign up by December 15, you should be covered by the deadline.

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