 [ Symptoms ] i am 2 years post micro discectomy which cured sciatic and lumber pain my is life slowing up [ Disease ] you can stay with your existing plan as long as it meets with the new requirements of the law many existing private market plans do not however you will not see your prices drop with an existing plan it is a good idea to at least take a look at the marketplaces to see if you can find another plan   even with the same insurer   that will cost less and whether you qualify for a tax credit