Now the insurance companies will raise the rates because they have an excuse to do so and there are no laws to prevent this. Hold onto your wallets! The premiums are high, the deductibles and copays are so high that lots of healthy people will pay high premiums and never get any benefits from their health insurance because they must meet a $5000 deductible before insurance pays a penny. This was all predicted. The next blow will be the employer mandate and people will lose their jobs. So much for "Affordable" health care. (I am for health care for everyone but not what we have)