Healthcare Reform is not government insurance. It is merely a standard that health insurance companies are required to follow 2014 forward. Also, if you qualify for subsidies, the Marketplace can help you purchase Free to Low Cost Health Insurance.
The Marketplace Open Enrollment Period begins November 14th 2014 and last until February 15th 2015. If enrolling outside of the Open Enrollment Period, you must qualify for a Special Election Period.
How do Subsidies work?
Subsidies are based on household size versus income. Many individuals and families with incomes between 100% to 400% of poverty level may qualify for some level of subsidies. Some individuals and families with employer coverage available may have to consider their options.