Premiums for some could double, 20 new taxes are being implemented, you may not even get to see a real doctor the next time you're sick, and if you can get past all that, it's going to take a very long time to apply for coverage.
In fact, the Associated Press says the process is as daunting as doing your taxes.
For a family of three, the government's draft application is 15 pages long!
If you thought you could get health insurance online in an amazon-style marketplace, think again. The online application process has 21 steps, and some of those steps have more than one question.
The Department of Health and Human Services estimates that it will take you at least a half hour to complete the online application and 45 minutes to fill out the paper version.
Now this is on average. If you have specific issues it's going to take you much longer.
If your household income has changed over the past year and you're looking for benefits, you will have to apply based on your latest tax return. Then, in the same turn you have to predict what your income will be in 2014. In other words, you have to provide loads of documentation.
Also, if you or your spouse, decide not to take your employer-offered insurance then the questions will be a plenty.
Even once you've filled out all the forms... the red tape is just getting started.
At least three major federal agencies, including the IRS, will have to approve your application. They'll check your identity and see if you meet the income and citizenship requirements. But wait, they not going to approve you for the actual benefits- they're just approving you to go on to the next step- which is actually picking a health plan.
The throngs of pages and paperwork could backfire on the White House, as some are concerned people will be so overwhelmed they will simply give up!
This is just another example of what happens when government gets involved.
Gerri Willis is the host of "The Willis Report" (6 & 9PM/ET), a primetime program that covers the leading financial and political stories of the day and their impact on consumers. Click here to see more from Gerri Willis.