To those who have posted about the sticker shock associated with your employer-sponsored plan's monthly premiums due to Obamacare, there is an exception in the law that if your monthly premium is more than 9% of your monthly take home pay then you are eligible to enroll in the health insurance exchanges that are starting up in October even if you are also eligible for your employer-based plan. However, it's unclear what the monthly premiums for the exchange plans will be since the exchanges are not up and running yet.

Additionally, if you have a preexisting condition (i.e. mental illness) and you don't have health insurance right now and di not voluntarily end your prior health insurance coverage, you can apply for your state's high risk medical pool. This is different from the federal high risk pool which stopped accepting new members early this year in anticipation of the health exchanges rollout. Some states have a low income premium plan where you get up to 75% off the monthly premium depending on your income reported on your tax return. I'd look into this sooner rather than later because these state high risk plans may also stop accepting members once the exchanges get up and running. These plans were made for people who would be denied individual health insurance due to their mental illness history.

Lastly, if you are an adult without dependents who is low income but does not qualify for medicaid, chances are you live in a state where you will soon be eligible to get on medicaid under Obamacare. And of course there's the Mental Health Parity Act of 2008 which purportedly has been in effect since 2009 and may be more rigorously enforced under Obamacare, who knows.

I think the best thing about Obamacare is that the law allows for simultaneous internal and external appeals. This means if your insurance company denies you a treatment or drug, you can file both an internal appeal with the insurance company AND and an external appeal with your state's insurance commission. I'm doing so right now and it's moving things along rather quickly since I don't have to exhaust the internal process before getting the regulators involved.

Anyway, hope this helps.