we received a lot of questions about this and this time we're joined by newshour regular susan dentzersan, there's widespread either misunderstanding or confusion about what this is going to mean, even among people who are already insured, they think something is coming to change their lives. we got questions like this one. >> my name is burton ask i'm from odenton, maryland, and my question for the affordable care act is: will the premiums go up for those who currently have health insurance and if so how much? >> do we even know that yet? >> well, if you have health insurance through your employer, your health insurance is probably only going to be affected by all of the normal things that affect health insurance premiums like the fact that health care costs are rising and even though they're not rising as fast now as they were several years ago, they're still going up 4 percent or more a year. so generally speaking for everybody health insurance premium restining to rise. for people buying coverage through the exchanges or the -- as they're officially called the marketplaces, the pre

and once again, we're joined by "newshour" regular, analyst susan dentzer. as you know, susan, we've been going out into the world and basically saying to people "what questions do you still have as the final phase-in of the law begins?" and we spoke to one business owner who was visiting washington, d.c.. >> my name is jim and this is my wife janet. we fear from kentucky and we own a small business there and we furnish our own health insurance it's around $800 a month and we're just unsure how this obamacare may affect our insurance. >> suarez: jim buys his own insurance for he and his wife, he doesn't provide it for his six employees. so this new law is now coming into full effect. what does it mean for jim? >> if he's only buying it for himself and h his wife it won't mean a whole lot. for employers to be covered -- required to provide coverage under the so-called employer mandate which, by the way, will not take affect now until 2015, you have to be a business with at least 50 employees. and so clearly that will not change -- that will not be applicable i