MONTGOMERY, Ala. (AP) — Alabamians hoping to find health insurance through a new federally developed insurance marketplace won't get any details before October, when the insurance options are scheduled to go online.

The U.S. Department of Health and Human Services reports it is working on completing the list of health insurance plans that will be made public Oct. 1, when people can begin signing up for coverage that will start Jan. 1. That gives the uninsured a three-month window to comply with the Affordable Care Act's mandate for individuals to have health insurance by Jan. 1 or face penalties at tax time in April.

"It's frustrating that we are not going to be able to get a preview," said Jim Carnes, spokesman for Alabama Arise, a Montgomery-based organization that addresses issues affecting Alabama's poor. Because of that, Carnes predicts a slow start to people signing up.