Tonight marks the deadline to sign up for private health insurance over the Internet through the Affordable Care Act.

People can sign up by going to

Florida does not have its own exchange.

Those who start applications today but cannot finish may take advantage of a grace period. The government says it can accept paper applications until next Monday as it takes as much time as necessary to handle unfinished cases on the exchange.

Meanwhile, people should prepare for the prospect of long wait times on the Internet.