By the way, a lot has changed for people with insurance, as well. When the new law is fully implemented, insurance companies won't be allowed to refuse to cover people with pre-existing conditions, deny care for people with pre-existing conditions, kick people off their insurance because they got sick, or place any yearly or lifetime caps on how much people can receive in benefits. Rate increases will be subject to review and insurance companies will have to provide a good reason for raising their rates.