If you currently hold an individual policy, it will be changing in 2016. New plans will take effect in January 2016 and may or may not be similar to what you currently have. You will have the option of purchasing a new plan inside or outside the exchange and you may qualify for a subsidy inside the exchange. Certain individuals and families will be eligible for subsidies to help offset the cost of health insurance premiums. These premium tax credits can either be used to lower the cost of your monthly premiums or be collected as a lump sum on your federal income tax return. A family of four could earn up to approximately $98,000 a year and still qualify. Not only will your new health insurance be affordable, but it will be guaranteed to offer a basic foundation of coverage so you no longer have to purchase additional add-ons for essential care like maternity care or mental health and substance abuse services.