Time is running out for Americans who want to secure health insurance through the Affordable Care Act (ACA) for this year. The deadline to sign up is just around the corner, and there are only two days left to enroll or modify your current plan. The ACA, also known as Obamacare, offers comprehensive health insurance options for people across the United States, especially benefiting those who may not have coverage through their employer or cannot afford other insurance.

Here’s how you can ensure you’re covered before it’s too late:

1. Visit HealthCare.gov: This is the official site where you can browse through different health insurance plans. A variety of options depending on your income, family size, and needs are presented in an easy-to-understand format.

2. Know Your Information: Before you start the process, have all necessary personal information handy. This includes social security numbers, employer and income information, and any current health insurance information you have.

3. Understand Your Budget: There are different levels of coverage with varying costs. Be sure to understand what premiums, deductibles, copayments, and coinsurance amounts mean for your budget before selecting a plan.

4. Check for Subsidies: Depending on your income level, you may be eligible for subsidies to help pay for premiums. The website will guide you through this process to see if you qualify.

5. Look at Provider Networks: Make sure that any plan you consider has a network of doctors and hospitals that are convenient for you. Double-check whether your preferred physicians and health services are covered under the plans available to you.

6. Consider Your Health Needs: Review each plan’s summary of benefits to see what’s included. It’s crucial to choose a policy that fits your health needs — whether that’s prescription medicine coverage or specialized medical care.

7. Finalize Your Plan: Once you decide on a plan that works best for you, it’s time to enroll. Follow the prompts on HealthCare.gov to complete your enrollment.

8. Confirmation & Next Steps: After enrolling, you should receive confirmation from the health insurance marketplace with details about when your coverage starts and how to pay your first premium.

For those who miss the deadline, there is a chance to apply during a Special Enrollment Period if certain life events occur such as losing other health coverage, having a baby, getting married, or moving homes.

It’s important not to delay—without insurance not only do you risk potential health issues going unchecked or untreated but there may also be financial penalties come tax season.

Don’t wait until it’s too late; make sure your healthcare needs will be met throughout the year by signing up within the next 48 hours. Taking action now can provide peace of mind and stability knowing that your medical care is in good hands with ACA health insurance.