It's Almost Here!
As of now (January 2013), several aspects of the ACA (Affordable Care Act or Patient Protection Act or "Obamacare") have been implemented. First, children under the age of 19 with any pre-existing condition can now be insured and an insurance company cannot decline them. Second, all plans now must now cover 100% of a policy holder's preventative care expenses without co-pay or deductible. Finally, insurance companies have also been forced to adhere to the 80% MLR rule where they must pay at least 80% of all premiums received to patient medical claims.