Obamacare was the reason why businesses were so reluctant to hire all throughout the Great Recession. Why? Because businesses did--and still do--everything they could to avoid paying for health insurance. Thus, businesses looked for all kinds of loopholes to avoid having 50 employees at a time. When asked about it,
Obama gave his "magic wand" speech to dismiss these concerns.
On the personal level, the individual mandate required you to have health insurance or pay the increasing tax penalty for not having it, typically around a few thousand dollars. The highly politicized pre-existing conditions weren't just insurance companies not wanting to pay; it was the basis of underwriting itself. Since Obama wanted everyone to have affordable coverage, premiums had to go up for everyone to pay for a service you may or may not want. Because at the end of the day, health insurance has to be expensive to pay for teams of specialist doctors, the nurse's union, the technicians that run tests, the administrators that exist so that nurses don't get too bogged down in administrative tasks, and the insurance companies themselves.
So his governance did effect you. You just weren't paying attention.