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Here's the bottom line: it's not too late to enroll for coverage under the Affordable Care Act.

In fact, according to the Department of Health and Human Services, you still have 95 days to get coverage. Open enrollment ends March 31. That deadline is to avoid a fine for not having coverage.

So March 31 is critical because open enrollment won't begin again until November 15.

But, we'll soon know whether people like the President's program once they start using it in January.

But what about the Americans who have already been trying to sign up -- unsuccessfully -- for coverage to start on the first day of the new year?

Healthcare.gov saw a record day of traffic on Monday of 2 million visited the site. Two hundred-fifty thousand calls flooded into the call center. It created a backlog that led the administration to extend the deadline for getting coverage January first back a day.

An alert at the top of healthcare.gov reads:

"During times of especially high demand, you may be queued to begin your online marketplace application to ensure the best possible shopping experience."

But the site has a list of tips for those still trying to get coverage by New Years Day.

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