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What health care overhaul means, now and next year

The full benefits of the Patient Protection and Affordable Care Act of 2010 go into effect in January 2014, but the program manager for HICAP isn’t sure many Americans understand the major changes already in effect or in the pipeline. ”It’s no mystery why people are confused,” said Martha Johnson, program manager for the Health Insurance Counseling and Advocacy Program. “It’s complicated, details are still being worked out, and it’s been the center of political debate for the last four years.