Shirley: Yes, I play the guitar beowulf paper - Relax. In a post-Obamacare world, no insurer can reject you or charge you more for pre-existing medical conditions. So you won't be locked into any plan for life, as you might have been had you developed a chronic condition after signing up for health insurance. That means if you go through all these steps and still feel like you chose the wrong plan, the damage is limited - you can do all this again next year, for 2015.