Some people don't have health insurance because of an existing health problem (pre-existing condition).
But as of January 1, 2014, health insurance plans will include certain essential health benefits and 100% coverage for preventive care & screenings when you use an in-network provider. And this is true even if you have a pre-existing condition. And insurance companies can't charge different premiums because of your health.
In addition to no longer allowing annual and lifetime benefit limits, the health care law provides new ways for you to get a break on the costs of coverage.
Costs of Insurance
This is an estimate for a 2014 plan and does not include any cost savings you may be eligible for from the federal government. Your actual rate will depend on information entered in your application for coverage.