It may also depend on the behavior of the insurance companies in the time between now and November, whether the Congress blusters with regard to the insurance industry in much the same way it blustered with regard to the financial sector: lots of stentorious railing about getting tough, and then [crickets] when the banksters went back to (more or less) business as usual.  The first insured person who gets dropped from coverage because the insurance company technically still has the right to do so is going to scream bloody murder - and people will listen.

Will the high risk pools for adults with pre-existing conditions and who have not been able to get insurance truly be up and running within 90 days from enactment?  You can be sure there will be more noise if they are not.

And what about those who cannot afford insurance now?  How many will qualify for expanded Medicaid coverage and will the states be able to handle the onslaught of applicants?

When you sell something on the basis that there is a crisis and we have to do this NOW, NOW, NOW, you'd better be prepared to deliver NOW, NOW, NOW, don't you think?

1.  People who currently do not have health insurance but will be required under the law to pay for it. They are probably younger voters.  These people will either pay the fine or buy insurance they probably won't need.
   
2.  People who pay for cadillac plans - like union members.  They will either pay more or get less.  Furthermore, in the future, more and more plans will be considered as cadillac plans due to the greater than inflation rise in premiums.  So more and more people will be considered having cadillac plans as the years go on.  Employers will probably place stricter limits on what kind of plans they offer employees because of this.
   
3.  Medicare Advantage recipients - 200+ billion in cuts.
   
4.  Medicare recipients - 500+ billion in cuts.  If you add up all the cuts in Medicare the Democrats proposed, it's nearing the Medicare cuts McCain proposed in the 2008 election and Progressive claimed they were against.
   
5.  I believe the law raises the amount you can itemize for medical payments from 7.5% to 10%.
   
6.  Although the anti-discrimination rule look nice in practice, states like Colorado have noticed higher premiums for some healthier people because insurance companies can no longer discriminate in favor of healthier people.  In any case, I get the feeling insurance companies are going to raise premiums a lot and say the anti-discrimination rule is what caused them to do it, true or not.
   
7.  The law depends on the government subsidizing lower and middle income individuals so that their premiums are lower.  But if the government doesn't do this, those individuals/families will have to pay more or, if they can't afford to, pay the fine.

Did you know?

Starting in 2014, most Americans will be required to buy health insurance or pay a penalty.

    *The penalty will be phased in, starting at 1 percent of income in 2014, and rising to the maximum of $2,085 for a family in 2016.

    *American Indians don't have to buy insurance. Those with religious objections or a financial hardship can also avoid the requirement. And if you would pay more than 8 percent of your income for the cheapest available plan, you will not be penalized for failing to buy coverage.

    *Those who are exempt, or under 30, can buy a policy that only pays for catastrophic medical costs. It must allow for three primary care visits a year as well.

Also - starting on 2013, there will be a smaller limit on flexible spending accounts (FSA's) offered through an employer.

Starting in 2013, flexible spending accounts, which allow users to escape taxes on many medical expenses now, will be limited. There will be a $2,500 maximum on accounts that typically carry $4,000 or $5,000 limits now, and you will no longer be able to use the accounts for over-the-counter medicines.