obamacare proved itself to be problematic in 2013 and experts say 2014 may not be much better. some key obamacare dates this year could spell trouble for your health care and your wallet. the author of beating obamacare betsy mccoy joining us now. happy new year to you. january 1 the mandate kicks in. what does that mean for most americans? >> beginning today legal residents of the united states must have what the government defines as adequate health care coverage. so if you're not in medicare, that's for seniors, if you're not in medicaid -- that's for the poor -- if you're not on tricare for veterans, either your employer has to provide adequate coverage or you have to go out and buy it yourself. and that's why many people are being told they have to go to these obamacare exchanges and sign up for health care. but here's the irony. today millions more people