How Will Obamacare Affect Me? 
The Affordable Care Act aka Obamacare affects everybody to some degree . If you are over 65 and on Medicare , very little changes . If you work for a company that provides benefits , very little will change . If you have no insurance , you are required to purchase insurance either on or off the exchange or pay a penalty . If you qualify for a subsidy you may receive a break in your premium . There are certain benefits that a health insurance plan must offer , which is good for most people . 