In this Jan. 8, 2013 photo, business developer Robert Schultz poses for a photo just outside his home office in Newton, Mass. Buying your own health insurance will never be the same. This fall, new insurance markets called exchanges will open in each state, the long-awaited and much-debated debut of President Barack Obama's health care overhaul. Schultz is a Boston-area startup business consultant who got his MBA in 2008, when the economy was tanking. Yet he was able to find coverage when he graduated and hang on to his insurance through job changes since. (AP Photo/Charles Krupa)
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