This document summarizes key aspects of healthcare reform in the United States, including changes taking effect in 2014. It outlines elements like the individual mandate requiring health insurance, subsidies for low-income individuals and families, coverage of pre-existing conditions, open enrollment periods, and the roles of licensed insurance agents versus navigators in assisting with plan selection and enrollment. The reform will lead to major rate increases for individual plans, so the document advises working with a licensed agent to find an affordable plan on or off the new insurance exchanges.