President Barack Obama's historic Affordable Care Act is bringing sweeping changes to your health care. Insurers can no longer deny you coverage due to pre-existing conditions. Preventive care and wellness screenings are now available at no additional cost. Lifetime dollar limits on health plans are a thing of the past. And beginning in 2014, new state health exchanges are supposed to make shopping for health insurance easier and more affordable than ever.
There's a lot at stake, not only for you but also for America's health insurance companies. They've had to reinvent themselves and re-price their products to meet the requirements of health care reform.
"It's an enormous change," says Tom Billet, senior consultant for the risk management firm Towers Watson.
As health insurance transforms itself, patients may feel a few side effects -- such as short-term price increases, name changes and some confusion during the transition.