whether you can keep your current 2013 plan for another year depends on where you live and your insurance company. i suggest you call your insurer directly to see if that's an option for you. underwritten plans for people who don't qualify for subsidies do tend to be cheaper. that's precisely because insurers have been allowed to underwrite the policies and weed out anyone who has or they believe might have a health problem. that's no longer allowed.
if i have health insurance now can i keep it through 2014? . what if i start a new plan december 2013 can i keep it through december 2014? what about after that? i am told that underwritten plans are much cheaper than obamacare. is this true?