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

itoggle caption Nicholas Kamm/AFP via Getty Images

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

itoggle caption AP