Buying health insurance is tough enough for anyone. It's hard to slog through the terminology. You have to ponder the unknowns about next year's illnesses and make your best guess about the coverage you'll need. Add in the hassle of navigating the new state shopping exchanges, and you're facing one of the most complicated shopping decisions, ever.
• Given the complexity of this task and the cranky website Healthcare.gov, it's no wonder the federal government reported that only 137,204 people across the country had actually selected an insurance plan through a federal exchange from Oct. 1 through Nov. 30. In South Dakota, 372 people had chosen one.
• Figures from government number crunchers, though, don't tell the whole story. What is it really like to sign up and make a choice? To find out, I've been following a 59-year-old Hastings, Neb., woman who began her quest for insurance to cover her daughter and husband weeks before HealthCare.gov opened for business. (She receives Social Security disability payments for a back injury and is covered under Medicare.)
• The woman we'll call Marilyn (She didn't want her name used.) was a model shopper, and she did a lot of homework. She attended an AARP educational meeting, called insurance companies, got her name on eHealthInsurance and had dozens of agents contact her. She called Blue Cross, her family's current carrier, and investigated a new competitor CoOpportunity, one of those co-op arrangements the law allows.
• Marilyn had a lot of questions about that company. "I liked the nonprofit idea," she said. "It cuts out the middle man and that provides the savings." Since it was a new company she had not heard of, she needed assurances the carrier would be around to pay claims. The sales agent told her it was affiliated with a company in Minnesota that had millions of dollars behind it.   
• Like other Americans, Marilyn struggled with HealthCare.gov. Early on she tried to create an account and could not. Persistent, she called the government's 800 number and was told to complete a paper application. She did that, but found many questions confusing like the one asking if she wanted the government to automatically check her eligibility each year.
• She called the government 800 number to learn more. She was kept on hold for 20 minutes during the first call, and never got an answer. On the second try she did

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