How Will Health Insurance Change In 2014? 
I do n't think anybody has the answer to that question . My assumption is that the benefits wo n't change much for 2 reasons : 1 -RRB- The Affordable Care Act mandated certain benefits - so those have to stay 2 -RRB- The other non-mandated benefits have always been a part of health insurance -LRB- hospitalization , ER , Dr Visits , etc -RRB- . Open enrollment starts Nov 15 , 2014 - so you can find out from your broker/agent then . I wonder how much the premiums will change . Seemingly they would go up since not enough `` young & healthy '' people applied for coverage to offset the claims made by everybody else . However , I understand that the carriers will have to determine 2015 rates before they have all the data . So it 's anybody 's guess . 