Nothing has changed as of now.
Nothing can change healthcare wise without Congress passing the law to institute Obama's plan. So it's going to be a good, long while before anything happens, if it ever does. That's how government works, even with majorities in Congress and the President of the same party. Clinton couldn't get all of his plans passed when he had a Democratic Congress. Bush couldn't get all of his plans passed when he had a Republican Congress. And they may take a "simple" plan, like the 3 page bailout bill that Bush originally proposed, and add all kinds of junk and extras so it barely resembles what Obama promised on the campaign trail, like what the 450 page bailout bill looked when it was passed.
Alycia, you shouldn't have to pay the hospital bills up front and that wouldn't have changed under either McCain's or Obama's plan. But I do know that there are doctors that do demand payment in full and then tell you to go fight with your insurance company for reimbursement. I ran into that when i was trying to find a specialist - he wanted $350 when you walk in the door, and then you get back whatever you could get from your insurance company.