I don't understand (a bit thick sometimes). Are you saying the new laws will help your situation? In my case, I don't know yet how it will affect me but it should help my daughter tremendously with her premiums. Her employer does not offer health benefits so she pays out of her own pocket. Based on the calculator I think she'll be better off. What's the down side of this?
As with most things, you can have something cheap, you can have it fast, or you can have quality, but you only get to chose two of the three...
If socialized healthcare anywhere else is an example you can expect rationing, long wait times and a severe drop in quality... which is why most of the European countries are starting to swing toward free market healthcare.
As far as dropping your private insurance, you might want to wait until after November. If the GOP doesn't win, then I would go ahead and enlist in the govt option...