 [ Symptoms ] 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 [ Disease ] 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 is an option for you underwritten plans for people who do not qualify for subsidies do tend to be cheaper that is 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 is no longer allowed