WASHINGTON (AP) — Now is when Americans start figuring out that President Barack Obama's health care law goes beyond political talk, and really does affect them and people they know.

With a cranky federal website complicating access to new coverage and some consumers being notified their existing plans are going away, the potential for winners and losers is creating anxiety and confusion.

"I've had questions like, 'Are they going to put me in jail if I don't buy insurance? Because nobody will sell it to me,'" said Bonnie Burns, a longtime community-level insurance counselor from California. "We have family members who are violently opposed to 'Obamacare' and they are on Medicaid — they don't understand that they're already covered by taxpayer benefits.