Is there help to pay for all this new insurance?
The good news is, if you go through the exchanges rather than buy directly from an insurance company, you will likely be eligible for tax breaks and subsidies to pay for your insurance. The assistance is available to those with incomes of up to four times the federal poverty level -- this year, that's $45,960 for an individual or $94,200 for a family of four -- and will be calculated on a sliding scale.
You can take this subsidy as a tax credit or the government will pay the insurance company directly.
You may also want to check to see if you will qualify for Medicaid. So far, 26 states are moving toward expanding who is eligible for the federal government-funded health program for lower income families and individuals.
I've got Medicare. Does the Affordable Care Act change that?
You are in a group that doesn't need to worry about the Affordable Care Act. Medicare doesn't change with the Affordable Care Act.
So then, why the fuss?
Studies show people are politically riled up about all this change in health insurance, but when it comes down to it, Gruber said the sky won't fall next year and things should get better.
"Once people experience it and go through this initial transition, which is going to be rocky, then they're going to realize the benefits of having a system like this," Gruber said.
"Yes, if you are young and healthy it will be more expensive, but right now this is an insurance market which not only is discriminatory, but the typical person who buys their own insurance has a very weak insurance plan. (Under the Affordable Care Act) everyone will have will have guaranteed, real insurance that's fairly priced."