The Patient Protection and Affordable Care Act is the most significant overhaul to health care industry in decades. It includes unprecedented reforms to the American health care system. The implementation of this new health care law, otherwise known as Obamacare is at the height of concern for many who still don't understand its implications. Among the sea of new information to sift through, there are also misconceptions about the expectations and implementations of this law. Whether you need health coverage or have it already you may be concerned about the new regulations and how they will affect you. Many low to middle income Americans will have access to more affordable health insurance but those making above 400% of the federal poverty will likely pay more. Although the law has been rolled out over several years, the most notable changes take effect in January of 2014. Included in these changes are rights and protections for you, the consumer. These protections, do not apply to every insurance policy equally. This guide is designed to help you navigate the changes in policies and the new requirements for individuals and businesses. We'll explain the changes being implemented and you'll discover if you qualify for reduced premiums, what will happen if you select not to purchase health care, and how to make compare plans and policies in your state.