Residents in Michiana can get all of their health care insurance questions answered Saturday morning at open enrollment for the health insurance marketplace.  

St . Joseph Regional Medical Center will hold a seminar Saturday morning at Kindred Hospital from 8 to 9 a.m.

This is the second year you can sign up for health insurance through the Affordable Care Act using the health insurance market place.

Last year there was a lot of confusion and that is why health care professionals and insurance consultants are at Kindred Hospital in Mishawaka, to answer any questions. 

As of January 1st 2014, the Affordable Care Act requires everyone legally living in the United States to have a health insurance plan.  

You can to view plans at healthcare.gov, an online health insurance marketplace, also known as an “exchange”.

The website allows you to choose between four levels of health plans: Bronze, Silver, Gold and Platinum.

With the Bronze level plan, insurance companies will typically pay 60-percent of covered healthcare expenses with the remaining 40- percent to be paid by you.

The Silver plan pays 70-percent of costs.

The Gold plan pays 80-percent of costs. 

The Platinum plan, pays 90 percent of costs and has the highest premiums.

Manager of Saint Joseph Regional Medical Center-health insurance services Sondra Gardetto says, "We want you to have the information needed to make an informed decision about your healthcare. We are committed to being a resource for this community, especially for those who are most vulnerable."

People have until February 15, 2015 to apply for 2015 coverage.

There are penalties you could face if you decide not to enroll in insurance.