let me answer your question generally. and then let me suggest that you go on the website and really look at what your actual factual options are so that you can determine what you have to pay and what coverage is available. first in many states consumers may find premiums that are lower than they would have paid before health care reform. this is particularly true for those with lower incomes who are eligible for subsidies including tax credits. however in some cases the coverage available to you may be more expensive rather than less. as far as benefits go as a general rule they should be "better" than those in the individual insurance market before the law was enacted. for example plans are now required to cover more preventive screenings and a list of government-guaranteed benefits including maternity coverage. however you may face higher cost-sharing than under a previous plan. so again let me emphasize the importance for all consumers of really getting on the website and checking out and comparing your options. keep in mind that under the aca people can afford preventive screenings - thus finding out what they are sick with - but often can't afford the treatment. pay special attention to how much your deductible is because often when you have a lower premium it comes with a really high deductible. a high deductible (often $3-6 thousand dollars) means you will be paying full cost for most medications and procedures before you meet that amount. so read your options carefully and ask lots of questions.
i understand that i can get less expensive health insurance coverage than i now have. but doesn't that also mean the benefits won't be as good?