Actor Adrienne Matzen poses in Chicago's theater district. Matzen, 29, is looking for a low monthly premium plan on the federal website. (AP Photo/M. Spencer Green, File)

CHICAGO (AP) — As a key enrollment deadline hits Monday, many people without health insurance have been sizing up policies on the new government health care marketplace and making what seems like a logical choice: They’re picking the cheapest one.

Increasingly, experts in health insurance are becoming concerned that many of these first-time buyers will be in for a shock when they get medical care next year and discover they’re on the hook for most of the initial cost.

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