The Affordable Healthcare Act goes into effect in 20-14 and experts say you need to plan now for how that cost will affect your budget.  Patrick O'Keefe with the Cascade Insurance Center says premiums may go up an average of 38 percent - but there could be some help. 

"All in all, we are looking at some pretty hefty increases in premiums next year. a little caveat with that, is that those increased premiums, in a lot of cases,  there are richer benefits. So while we are, I hate to say the word forced, but we're going to have to pay more for insurance beginning next year, at least there is some additional value that we're going be getting out of that additional premium.  And a large percentage of the population will have access to federal subsidies to help them offset the increase, help them pay for their health insurance."

O’Keefe says there will be a lot of new rules and regulations that will impact what you will be able to claim on your taxes as well.

He advises everyone to educate yourself on how these costs will affect your budget by attending workshops when they are offered - and reading up all the information that is available.