Howard Kraft discusses signing up for health insurance as he sits in his Lincolnton, N.C. home Monday, Dec. 30, 2013. All things good, bad and unpredictable converge Jan. 1 for President Barack Obama’s health care overhaul as the law’s 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 he’s got coverage because federal law now forbids insurers from turning away people with health problems. “I am not one of these people getting a policy because I’m being made to,” Kraft said. “I need one to stay alive.”(AP Photo/Nell Redmond)WASHINGTON (AP) — All things good, dangerous and unpredictable converge Jan. 1 for President Barack Obama’s well being care overhaul because the legislation’s main advantages take impact, together with an unpopular insurance coverage mandate and a chance of more nerve-wracking disruptions to protection.