 [ Symptoms ] i have two pre existing conditions and i pay a lot every month in prescriptions would obamacare be better for me  or should i stick with my current plan [ Disease ] it is possible that someone now buying insurance coverage on their own will find the new health plans being sold on the marketplaces in some cases will have richer benefits but another huge potential benefit could be lower costs many people with pre existing conditions who buy their own insurance are being charged more because of their health that is another practice insurers will be prohibited from starting january 1 2014 you will be guaranteed a health plan and you can not be charged more for coverage also there are tax credits available to people making up to about 46 000 per year so that will lower costs for many people as well