Under the Affordable Care Act, all Americans are required to have health insurance. Open enrollment for obtaining insurance coverage for 2015 in California’s insurance marketplace, Covered California, begins Saturday, November 15. If you find the marketplace too confusing, you can use the services of certified agents for Covered California, such as Dee Richhart of Williams Insurance, who will help sort out the options for health insurance and help you apply for insurance. Call 760-367-7542 or 760-365-0758 for more information.