Most of the 'Obamacare horror stories' seem to involve people who have bought individual personal health insurance in the private market. This has always been a tiny portion of the healthcare market - for the simple reason that these policies provide limited coverage. They also tend to exclude the 'preexisting conditions' we all hear about. Some should really carry the legend 'Let the Buyer Beware'.
When I was still in college, I put in an application for a personal insurance policy. In filling out the form, I listed that I am a chronic asthmatic, since I was interested in this kind of coverage. I was naive in those days, but not that naive. My maternal grandmother had worked in life insurance for the Gale-Smith firm in Nashville, and she had taught me to READ THE POLICY. Lo and behold, I found coverage for any incident arising out of or complication resulting from chronic asthma excluded. I knew enough of the world to realize this meant that, if I fell downstairs and broke my arm, it would be a consequence of asthma. I threw the policy away.
Since I later made my career in property/casualty insurance, with all other employees I got a yearly seminar in health insurance and what it covered. In later years, the company provided us with a choice of two or three plans we could pay for through payroll deduction. All were provided with phone numbers to handle any private question we might have. Naturally, we talked about the plans and their outcomes among ourselves. I soon realized a Preferred Provider Organization was better for my needs than a Health Maintenance Organization.
Upon retirement, I went to a broker who specializes in retirement insurance to get the best Medicare Supplement plans for me. Note: Always go to a broker who places policies with a number of companies. That way you will get the coverage that is best for you and your medication. For instance, I have Mutual of Omaha coverage for my regular Medicare Supplement and an AARP plan for my Part D Supplement. This broker took the time to explain Medicare and the supplements and what each did.
For the Affordable Care Act, federal phone numbers have been provided to help you tailor coverage to your needs. READ THE WEBSITE and think about what you personally need. If you use a broker, make sure this person explains exactly what your policy does and under what conditions. DO NOT LET YOURSELF BE PUT OFF WITH GENERALITIES. This is your life and your responsibility.