So I'm about to leave my large, corporate job and start to work for a small, local company that doesn't have group health insurance. I have a wife & 3 school-age kids who all need medical coverage. I visited HelathCare.gov and looked at some of the plans available to me, but there are a lot of questions I have about how it all works and how it all comes together. Any help would be appreciated:

1) If my last day at my current job is Feb. 1 (we're open on weekends) would my coverage through my employer-sponsored plan last through Feb. 29?

2) If I make the application for new coverage through healthcare.gov on Feb. 3 is it possible to be covered on March 1?

3) Deductibles: When a plan on healthcare.gov shows a deductible of $200, does that mean I would have to pay $200 out of pocket for each time I receive care, or is that the first $200 of a year?

4) Are routine, preventative care exams, immunizations and check-ups covered? Most standard healthcare plans cover these at 100% but healthcare.gov doesn't mention how that works with their plans.

5) What problems will I run into when applying for coverage on healthcare.gov that I can be prepared for? Like, what are the common hold-ups and hurdles? I really need to make sure this goes seamlessly.

Thank you!!