The Obamacare effect has not even been felt yet as it hasn’t even really started yet. Wait till 2014.
I’m seeing stories about people being downgraded to “29ers” all over the media. So I think it has started.
You’re right. The full effect won’t be seen or even known until the fines and penalties kick in. What we’ve seen thus far is just battening down the hatches, not drastic action after the storm has hit.