Health Insurance Reform passed?

Despite what they're trying to brand the bill as, this really isn't health care reform. It will, however, do a lot of things to health insurance over the next several years. Somehow a lot of people are still repeating talking points that were debunked months ago, so allow me to try address a few of the complaints I've heard with a somewhat intelligent rebuttal in a form that isn't restricted to 140 characters.

1. Some benefits of this bill kick in this year. There have been several complaints that we have to start paying for things now and see nothing good for years. That's just not true. Effective this year, health insurance companies are prohibited from having lifetime limits on policies and cannot cancel coverage (rescission) just because you get an expensive illness. Young adults can stay on a parent's policy until age 26, not just until they turn 19 or finish college. Seniors will see alleviation for prescription drug costs. Reuters has a pretty thorough timetable of benefits that includes those and a lot more.
2. You will be able to afford health insurance. If you make less than 400% of the federal poverty level (about $43k), you'll qualify for a government subsidy to ensure that insurance won't cost more than 10% of your income. The less you make, the lower the cost to you will drop; if you're making 133% of the poverty line (about $14k) you're eligible to get on Medicaid for free. As such, most of you reading this will likely qualify for a heavy subsidy. Here's more info on those subsidies.
3. You will have to have insurance. If you don't have an income low enough to qualify for Medicaid and still refuse to buy insurance when the mandate takes effect in 2014, you could face a penalty of either $695 per person or 2.5% of your household income, whichever is greater. Odds are, if you make less than $20,000, it will actually end up cheaper to buy subsidized insurance than to pay a penalty. Why are they forcing people to buy insurance? Well, the more healthy people have coverage, the more the cost of covering sick people can be spread out and the lower the costs will become for everyone. Also, many of the people complaining about this are healthy, 20-something males, a group that usually has the lowest premiums on the market already.
4. This bill, flawed as it is, is still better than nothing. If Congress had still failed to pass this, it would probably be at least another 15 years before anyone even attempted to take up health reform in a serious manner again. The current system is unsustainable. This new one is probably unsustainable in the long run, but taking any step to fix it is still an improvement. Hopefully the progress will continue in the coming years and actual improvements in health care will happen this decade.