Answer: Nothing right away, but by 2014, the federal government will provide subsidies to help you buy insurance if you earn less than 400% of the federal poverty level. Those subsidies will be based on income. If you earn $30,000, you will pay about $2,600 a year for insurance. A family of four with a yearly household income of $60,000 will pay about $5,200. Also by 2014, you will need to buy insurance on your own or purchase it through your employer or pay a fine.