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WASHINGTON - recognize at least implicitly, the difficulties that plans some health consumers, the Obama administration HealthCare.gov major changes this year to make it easier to find belonging medical for the buyer to health insurance, and to predict their health care costs for the next year.

With substantial increase in premiums to come in some countries in 2016, for the management of many consumers already in the Affordable Care Act networks must wait responsible health to change plans and new doctors as cheaper alternatives for fighting. And millions of other Americans are getting health insurance through the health care market for the first time.

But insurers in many counties offer such a dizzying array of health insurance with many subtle differences, consumers have difficulties in determining which plan is best is important for them.The new research tools for several reasons had. Most insurers are trying the costs through the creation of doctors and hospitals selected networks cut off, and patients often face higher costs when they go outside the network.

With HealthCare.gov usually visit Until now people on the website of each insurance company to see that doctors and hospitals were in its network and that the drugs were in his preferred drug list. This could be a cumbersome and time-consuming.

Since the adoption of the Affordable Care Act in 2010, consumer advocates have the Obama administration to "tools to support the decision" to sort people by the health plans in research assistance requested shows marketplace.New line, which on the stake. A study by Health Pocket, technology companies found that nearly half of the turnover in the market for health plans, the federal insurance for services not available outside the network, so that patients in the highest costs. A separate study by health plans in America, a subject for insurers that are outside the network operator into account patients often for amounts far beyond what Medicare will pay for the same services.

"Choosing a health plan is very complicated," Dr. Charlene A. Wong, a pediatrician and researcher said on the political health of the University of Pennsylvania. "With the rise of narrow networks, it is increasingly important that the suppliers of consumer research tools, so they can see that their plans include preferred doctors and hospitals."

Under a new federal rule, insurers have their lists of drugs and medical directories in a "machine-readable" format, software developers to publish manipulate data with numerous purposes, like they do with the purchase price of the shares.

In the last two years, the federal market are usually men, health plans relate with lower premiums, although these plans often have higher out of pocket costs that consumers end up spending more.

HealthCare.gov changes include a cost comparison tool for consumers, their likelihood of departure from his pocket and the total cost, including premiums, deductibles and other expenses related to the various health plans estimate.

In order to make these estimates, the site will consumers ask whether they be low for use in health care in 2016, medium or high, and a website to provide an estimate of the cost of each plan.

When calculating the government used a person ages, gender, income and zip code. The web page is displayed by the gross amount of all grant that the family received as a tax credit reduced, but consumers can also watch the full price if they want to.

Some private groups even more sophisticated tools. Group Herrenkrug Hoff, consumer checkbook, has developed a tool of its kind for more than 30 years experience in advising federal employees in their health insurance options.

The tool that is already in use in Illinois, will this autumn are in Minnesota, Missouri and Washington, DC are available to consumers

Moreover, Enroll America, a nonprofit group trying to expand coverage, a digital tool has to help consumers estimate their probable costs of pocket for each plan available in your area developed. Consumers can also use it to health plans that cover your medications to find and preferred suppliers.

America Sign developed the tool with clear health Analytics, in Stamford, Conn based. To help estimate the cost, he wondered if consumers have a common conditions 11. The conditions include asthma, back problems, diabetes, heart disease and breast cancer, lung cancer and prostate. He asked the women if they are or plan to become pregnant.

Anne Filipic, chairman Join America, said that these tools could transform the insurance buying experience.

"In the past," said Mrs. Filipic, "people trying stuck often'm to choose a plan that was good for them. They found the overwhelming process. If people is a plan that best fits their needs, it is more likely to stick with it and be assured. "