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How health care reform law has started helping consumers
USA Today

If you’ve lost your job or decided to go into business for yourself, you’re probably well aware of the difference between group and individual insurance plans. Unlike employer-provided group plans, individual plans can turn away people with pre-existing medical conditions. Some individual plans exclude things routinely covered by group plans, such as pregnancy. Others have annual and lifetime limits that could cover only a fraction of the cost of a serious illness. Provisions of the health care reform law that took effect Sept. 23 prohibit some of the industry’s most controversial practices.

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