With less than 200 days left until the biggest part of the  Affordable Care Act goes into full effect, consumers are beginning to get a better idea of their coverage choices. And for many, it appears their options will be limited.
Starting next year, consumers will be required to have health-care insurance or face a fine and state and federal health exchanges will hit the market to provide policies. However,  36 states have opted not to set up state-run exchanges, according to the CATO Institute, meaning some residents will have to purchase coverage through federal exchanges.