Does Health Insurance Reform Affect Me? 
The short answer is yes . ACA -LRB- Obamacare -RRB- impacts everyone , and some more than others . Employees who receive coverage through their work may notice very little change in their plan or contribution ... unless they work for a smaller company -LRB- fewer than 50 employees -RRB- that is either terminating the group health plan or reducing hours below 30 per week to avoid paying for health insurance for those employees . Those who will see the biggest impact are those without health insurance now . Most of them will be eligible for coverage , regardless of your medical history . If your income is less than 133 % of the FPL -LRB- Federal poverty level -RRB- you may qualify for Medicaid at no charge to you . If you earn more than 133 % of the FPL but less than 400 % you may still qualify for a premium subsidy . Those earning more than 400 % of the FPL can purchase insurance in the open market -LRB- off exchange -RRB- and pay the full premium . Individual major medical plans will have considerably higher premiums than you have now -LRB- in 2013 -RRB- , fewer plan choices and fewer carriers to pick from . Premiums for plans issued in 2014 will be roughly double 2013 premiums . So yes , ACA will affect you . 