Millions of Americans are looking at their options under Obamacare's health-insurance exchanges. But in looking at the policies available under the Patient Protection and Affordable Care Act, many of them are confused to see plans at the same level of coverage charging hugely different premium amounts.

In the following video, host Alison Southwick interviews Dan Caplinger, The Motley Fool's director of investment planning, to find out what's going on with the different amounts that prospective customers face in obtaining insurance under Obamacare. Dan points out that in some cases, plan insurance premiums can cost double what similar plans at the same coverage level charge. In some cases, policies are aimed at people with different risks, and therefore insurance companies have to charge different amounts to cover those risks. Yet choices about premiums also depend on the willingness of companies to take on the risk of Obamacare. WellPoint (NYSE:ANTM) has been aggressive in getting into the health-care exchange business. UnitedHealth Group (NYSE:UNH), on the other hand, has been slower to adopt the exchange marketplaces. That can result in different choices in policy charges as well.