All adults must have insruance by January of 2014.

Health exchanges will be set up nationwide to give workers different health insurance options at hopefully lower costs.

Patrick O'Keefe who owns Cascade Insurance Center in Bend says healthcare will be evolving and changes brings anxiety.

"I think people are nervous.  I think they're nervous for two reasons.  One there's the fear of the unknown.  We were facing msssive invreases, the past few yeats about 15 percent.  And they're still averaging 15 percent and you add slightly older employees and you could see a 25 percent increase.  There's concern also nothing is going on that is causing relief."

O'Keefe proejcts that  small business with fifty or more employees will see moderst increases around four percent.  But he says individuals seeking plans will see bigger increases.