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The Oct. 1 launch of the new health insurance exchanges is now less than two months away, and people are starting to pay attention to the changes these new marketplaces may bring to the nation's health care system.

We know it's confusing, so we're spending part of the summer and fall answering at least some of your questions about the law. You can see earlier pieces in our series here and here.

Today we're answering questions regarding two of the more frequent topics raised: student health plans and possible penalties for failing to obtain health insurance.

"I started going to graduate school two years ago, and ... someone like me who is older, I don't have any resources as much as a working person my age, so I was wondering what happens with those people while they are in school?"

— Carolina Trabuco, Eugene, Ore.

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