Sunday is your last chance to enroll for 2015 coverage under the Affordable Care Act.

Applicants have until midnight to sign up for health insurance on the federal marketplace. You don’t have to complete the application, but you must at least start it by the deadline.

The Federal Exchange and some states, like California and New York, are allowing those who have been working on an application a few more days to finish picking a plan.

Those who do not have health insurance face financial penalties.