The Affordable Care Act officially went into effect yesterday and millions of Americans have already visited Healthcare.gov, the Federal Government’s online healthcare marketplace, to research their options for purchasing healthcare coverage for themselves, their families and their employees. What does this mean? Well, for the insurance companies, it means they now have to market themselves to the individual consumer, particularly to young people who rank among the highest demographics of uninsured Americans. Say goodbye to straightforward lists of benefits and co-pays and say hello to more creative marketing strategies. But what does it mean for you, the start up employee or the freelance worker? This article takes a look at how the new federal healthcare mandate affects the risks you may take in our professional career.