Article Photos: Confusion, relief mark start of new health reforms 1/2

Howard Kraft looks over healthcare information in his Lincolnton, N.C. home Monday, Dec. 30, 2013. All things good, bad and unpredictable converge Jan. 1 for President Barack Obamaâs health care overhaul as the lawâs major benefits take effect, along with an unpopular insurance mandate and a real risk of more nerve-wracking disruptions to coverage. For some, the changes bring big improvements, including Kraft. A painful spinal problem left him unable to work as a hotel bellman. But heâs got coverage because federal law now forbids insurers from turning away people with health problems. âI am not one of these people getting a policy because Iâm being made to,â Kraft said. âI need one to stay alive.â (AP Photo/Nell Redmond)