But, as suggested, the complexities of these decisions require consumers to learn a new language before they can make informed decisions. In other words, they need to be health insurance literate. To address this, the coalition prepared checklists for consumers to use when they select their plans. These include a general checklist as well as ones for specific populations who face additional challenges. These include individuals with substance use disorder issues, those living with HIV and members of the LGBT population. All of these are available on the eligibility and enrollment section of the coalition's website — mdhealthcarereform.org.