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By Karen Stiles. CREATED Oct 8, 2013

MILWAUKEE - If you are one of the many who cannot get on to to shop for health insurance, there are some other ways that you can get help.

The good news is that even though the website may not be working, the phone number is working, and the wait times have dramatically decreased. The people who are answering these calls can answer questions and help you to enroll.

You might also be able to get help with questions or other concerns by contacting insurance agents.

Although there are a number of options that people can select, the Kaiser Family Foundation’s website of, has an easy to use estimator that can provide information about what someone might expect to pay for premiums and any subsidies that may available. Local health insurance agents can also provide information about how much you might expect to pay if you were buying products on and off of the exchange.

If you cannot afford to pay the premiums or other costs of these new plans, check out as many options as you can both on and off of the exchange. Some will be less expensive than others based on age, level of coverage, and type of plan being offered.

If you are under the age of 30, you might also want to inquire about catastrophic coverage that may have a lower premium, but with less coverage or at a higher price. Keep in mind - if you go without coverage you will be subject to a penalty that can also be costly.

There will be a number of resources, just as there are today for receiving limited services. But, these services could become fewer and far between if too many people try to access them in lieu of having coverage. It is very important for people to shop around and to consider as many options as possible over the coming months.