ENDING ABUSIVE INSURANCE PRACTICES: This year, insurance companies will be prohibited from denying children coverage because of pre-existing conditions, and in 2014 for adults. Until 2014, uninsured individuals with pre-existing conditions will have access to affordable insurance through a temporary subsidized high-risk insurance pool. Beginning this year, insurance companies can no longer place lifetime or restrictive annual limits on the amount of care patients receive, and they can no longer drop people from coverage when they get sick.
New offices of health insurance consumer assistance will help individuals in the process of filing complaints or appeals against insurance companies.

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