The Affordable Care Act, also known as Obamacare, is more than just the HealthCare.gov insurance plan portal. The wide-reaching act actually started to take effect years ago and is probably already helping you in several ways -- even if you haven't signed up for an official Obamacare health plan yet.

In the video below, Fool contributor Anders Bylund explains how the act is helping him in three specific ways, even under a grandfathered old UnitedHealth (NYSE:UNH) plan. UnitedHealth investors must hate these new consumer-friendly rules, and the insurer will have to make up for lost profits through exploding Obamacare volume.

See if these three Obamacare benefits aren't helping you already. If you've seen the act helping you in ways Anders didn't mention, feel free to share your story in the comments box below.