Open enrollment time for health insurance

The Affordable Care Act’s health insurance exchanges opened for business in November. Now, millions of Americans who do not get coverage through work have the opportunity to shop for policies that will take effect in 2016.

But they only have a few months to do so. This open enrollment period will end on January 31, 2016.

Those who currently lack insurance should sign up without delay. And those who have had coverage this year should investigate whether there’s a better deal available to them for coverage that will kick in next year. Picking a plan can be complicated, but it’s worth it, and the...