It's estimated some 3.5 million Floridians do not have health insurance, but that will change starting tomorrow.

Open enrollment begins for the President's Affordable Health Care Act.

Politics aside, the process of enrolling can be a little daunting, so let's break it down. There are four main ways to apply:

-Online
-Through a call center
-By mail
-Or in person, through a counselor known as a "Navigator" or helper.

If you choose to go online, start at www.healthcare.gov. Follow the instructions to apply for benefits. You'll be routed to those available in Florida. From there, it gets a little more complicated. You may even need to be prepared with recent tax returns or pay stubs.

There are four plans to choose from, with different costs and coverage, so you can tailor based on your age, lifestyle, and overall health. If you have insurance through your employer, you can apply for federal health care, but you may be required to keep what you already have. 

If you want coverage to kick in January 1st, you have to sign up by December 15th. The absolute latest you can register is March 31st of next year. After that, if you don't have health insurance, you could be penalized on your taxes.