Will Obamacare Change My Health Insurance? 
If it has not already , it eventually will unless there are further delays or changes to the Affordable Care Act . Granted , those who have plans that were in place before the passage of the law on March 23 , 2010 can technically keep these policies in effect . That assumes your insurance carrier does n't phase out such policies and that you make essentially no changes to the policy . You may recall there was quite a national uproar over this issue late in 2013 that prompted President Obama to kind of have to live up to his `` if you like your policy you can keep it '' promise so we have seen more renewal offers of existing pre-Obamacare policies since then in the individual and small group marketplaces . And this does kind of trap these policyholders . ObanaCare compliant policies are generally significantly more expensive than their pre-Obamacare counterparts . So , you can experience some pretty significant rate increases on your old policy in some cases and still be marginally better off financially than moving to an ObamaCare compliant policy . I am certainly seeing this scenario play out in some cases . For ObamaCare to have any vague chance of working financially they really need to pull as many people as possible into their pool . Continuing to allow the existence of non-compliant policies denies them this revenue stream and probably a healthier population that chooses to maintain such policies . So , regardless of the promises of politicians , consumers need to be vigilant if they have an old style policy that they want to keep . The pressure will continue to build to save you people who do n't know better from your `` trash '' policies as the administration referred to them and to move you into the glorious world of ObamaCare . 