You must know following 10 things about Health Insurance or Obama Care before entering in to 2014 and beyond.

• You must have health care insurance coverd by 2014 means Everyone without health coverage must obtain coverage by January 1st, 2014 if they can afford to, get an exemption or pay a fee.

• If you don't have Insurnace, you will be penalized for more tax or less tax break

• Insurance from Employer premium will go higher than last year for same benifits.  The fee in 2014 is 1 percent of your annual income or $95 per person, whichever is higher. The fee for uninsured children is $47.50 each, with a maximum of $285 per family. Learn more about the the Individual Mandate

• Man and Woman have to pay same  for Insurance covered(means Mans has to pay for OB care)

• Older people pay less.

• Each State created a Health Insurance Marketplace where uninsured Americans can buy health insurance and may receive cost assistance. Find your State's Health Insurance Marketplace now.

• If you already have health insurance or have insurance through your employer than you can keep it. You'll still enjoy all the rights and protections offered by ObamaCare like the elimination of pre-existing conditions. Please note that if you have a plan that was issued before 2010 (a plan with Grandfathered status) you may not be offered all of the new rights and protections. Find out more about your Healthcare Rights and Protections.

• There are four types of plans you can buy on the marketplace. They are bronze, silver, gold and platinum. The platinum plan has the highest premiums, or monthly costs, while the bronze plan has the lowest premiums. The higher of the premium cost, the lower the out-of-pocket costs or copays.

•  The cost of plans sold on the marketplace work on a sliding scale. Low income Americans may get free or low cost plans, those paying full price will pay more and may find their best deal by shopping outside of the marketplace.

•  Remember if you make less than 400% of the Federal Poverty Level you and your family may be eligible for reduced premium rates and lower out-of-pocket costs through the marketplace.