A concerned individual had this question regarding health reform.
My answer - It mandates that, beginning in 2014, virtually all Americans buy affordable coverage. It expects states to create health insurance exchanges on which private insurers will offer coverage for small businesses and individuals unable to obtain it otherwise. Federal subsidies will help those who cannot afford an available policy to pay the premiums and required cost-sharing amounts. As a result, more than 30 million additional Americans will gain access to comprehensive health care coverage.
Insurers will no longer be able to refuse to sell to people with pre-existing conditions or other risk factors, charge them more for coverage (except for age), cancel or refuse to renew policies for people using services, or impose limits on benefits.
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