After years of preparation, tough roads, and well-publicized failures, the Patient Protection and Affordable Care Act's coverage mandate is now finally in place, meaning that all Americans are now required to have some sort of health insurance plan.

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As many in the life insurance and annuities industry turn their attentions toward the coming year, it might be of particular interest to see how the latter type of offering will be affected by consumers' changing attitudes toward what they can afford to save for their futures.

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The life insurance industry is finally beginning to pull itself out of the problems in which it was mired for a number of years following the onset of the national recession, but that doesn't mean that selling, even to interested consumers, is especially easy these days.

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In recent weeks, the White House has made a number of changes to the ways in which it requires consumers to sign up for health coverage through the Patient Protection and Affordable Care Act's mandated federal insurance exchanges, and yet another one came earlier this week as fears about more glitches for Healthcare.gov lingered.

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