ROANOKE, Va. -

Time is running out for millions of Americans to get insured.

The new health care law is in effect and that means if you don't have health insurance by the end of the month, you'll have to pay a price.

Navigators have been working around the clock as we enter these final days to help people get enrolled and the same goes for private insurance companies.

WDBJ 7 has been following the Affordable Care Act since the very beginning. It's been a long road for some as we saw the website face a number of issues and now people are scrambling to stay in compliance with the new law.

Insurance agents say they've come a long way since October 1, 2013. That's when enrollment began for insurance through the Affordable Care Act and when healthcare.gov experienced a number of problems.

"It was taking a toll on the customer,” said Benchmark Benefits president Rob Weeks. “It was taking a toll on us, because we had more people to get to and we just couldn't do it in time."

Weeks says the first few months were some of the toughest for his private insurance company, but things have changed.

"We've got the process down today to about 15 minutes or less,” he said. When enrollment began, it took agents hours to get someone signed up because of glitches with the website.

People have a week left to either enroll through the marketplace or go with a private company like Benchmark.

Bottom line is you need to have health insurance by March 31 and because of that some companies are seeing a wave of people coming in their door.

"Obviously healthcare.gov not being functional in the proper timeframes hurt people getting enrolled and it also hurt us being able to help people get enrolled,” said Weeks.

If you don't enroll by the end of the month, you will be fined $95 or 1 percent of your income - whichever is larger.

An important thing to remember is that health insurance rates are based on your 2014 income. You want to make sure your income is correct when you enter it into the system.

If you get a raise or change jobs, you will need to let the government know as soon as possible. If you don't, you could end up owing thousands of dollars.