You will be able to obtain insurance for things that insurance companies used to deny, like pre-existing conditions. There are many benefits from the affordable care act, many of which have not started yet. Because everyone will have to get insurance, premiums should fall slightly. Also, because more things are covered, your out of pocket medical costs should fall as well. There are a lot of lies being spread about the law by people who hate that President Obama has been successful in fixing the horrible mess that Bush caused.