Here is an excellent article from the Washington Post (via Ezra Klein, that cutie) answering eight common questions.
1. If I don't have health insurance, how will health care reform affect me?
2. If I currently have insurance, how will reform affect me?
3. How much is reform likely to cost?
4. How much does the federal government spend now for health insurance?
5. What will happen to small businesses under health care reform?
6. How would a public option or health care cooperatives work?
7. What's likely to happen to my Medicare coverage under present proposals?
8. What do the current bills have in common and what are the major challenges they face?
Here are the Post's answers: http://www.washingtonpost.com/wp-srv/special/politics/8-questions/index.html
As Ezra Klein suggests, the answers are not complete and time can be well-spent expanding them and adding to them as the situation progresses.
Here is a link to an excellent article on whether or not current reforms will prevent serious economic hardship and bankruptcy for people, including those who already have insurance http://prescriptions.blogs.nytimes.com/2009/09/07/insured-but-bankrupted-anyway/. The outlook is not good, especially for reforms without a public option.