### Human:\ni've heard aetna cigna et al. are still underwriting plans until dec. 31 2013. is this true?\n\n### Assistant: in most cases insurers that are doing this are offering people already insured with them the chance to sign up again for another year generally at a lower price. you can keep a non-aca compliant plan through 2014. but that option goes away in 2014 -- and it's not an option for consumers living in some states because the marketplaces have not allowed it. if you've been given the chance to buy or renew a non-aca plan for another year then i'm guessing you already know the difference in price -- likely the companies are offering a less expensive option with a plan non-compliant with the law. the plans also typically offer benefits that are not as rich. however this option for most people goes away.