For now, only a few parts have kicked in (kids/adults up to age 26, people with pre-existing conditions).
Everyone will have to have Obamacare in 2014. But that doesn't mean you will be better off. If you were in good health (i.e. low risk insurance pool) your premiums will likely go up. You will probably have fewer out-of-pocket expenses (you just paid $800 for a checkup) but that will be added to premiums. It's now to the insurance companies advantage to pay for as much as possible. Their profit will depend on medical costs. 80-85% of premiums must go to medical costs. They will turn that around and say they are allowed make premiums around 15% more than medical costs. Profits come from that 15% and the best way to increase profit it is to increase medical payments and premium.
Co-pays, deductibles and other things are still being worked on. They may be low or may not. Your annual checkup and a few other things must have no co-pay, but other co-pays may or may not be good.
LOTS of work is still being done by dozens of agencies to set regulations and standards. This work will determine many things like your co-pays, coverage, premiums, doctor access - some doctors already charging a yearly fee and not taking insurance for certain appointments and I'd guess they're preparing for Obamacare and many providers like the Mayo Clinic said they would not accept one of the insurance packages proposed last spring.
You can bet that insurers, doctors, pharma, and other health care providers are working to get regulations they like (the Mayo Clinic said no to a proposal). It seems like everyone is satisfied that Obamacare passed and aren't still working to make sure it's good. But that work is VERY MUCH needed or it won't be good except for a small % of people who can't get insurance without it.
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