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December 06, 2013 AT 10:34 AM
Just because you've picked an Obamacare insurance policy doesn't mean you've got coverage. If you want to be insured come Jan. 1, you have to pay your first month's premium by your insurer's due date, often Dec. 31. Sounds simple enough, but federal officials and insurers are concerned that many consumers don't realize they have to take this last step and will remain uninsured.