Supporters of the Tea Party movement protest health care overhaul outside the U.S. Capitol, March 20, 2010. Nicholas Kamm/AFP via Getty Images hide caption

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Sen. Charles Schumer, D-N.Y., dashing into a Capitol elevator, ready for a fight. Alex Brandon/AP hide caption

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Starting in 2014, insurers can no longer carve out needed benefits, charge higher premiums, set lifetime limits on benefits, or deny coverage due to a person’s preexisting condition. AP hide caption

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