Talk to the two insurance companies. Ask them specifics like if your doctor and hospital are covered.
My problems have been with insurance company. They said on the phone that my plan was cancelled, and that they sent me a letter, but I never received it. First time I'de find out is when the bill didn't arrive Dec 15 for January, and then it would be too late.
And they said they'de send me the application forms for a new plan, twice, but never did. So I just printed on my crappy printer that works barely good enough to read, but that was good enough.
Yeah, a big change like this will be chaotic, but if you delayed it, then it would be chaotic then. Let's just "bite the bullet" and eventually it will be over with.
If you don't qualify for tax subsidy, then just contact insurance company directly. Look at insurance company web site. Talk to them on phone. Print out application, fill it in, mail it to them. You will benefit from Obamacare because they don't have pre-existing conditions anymore so approval is automatic as long as you remember to fill in address, sign it, etc.