Workers look out from shattered windows on an upper floor of the St. John's Regional Medical Center in Joplin, Mo., in late May, after a tornado severely damaged the hospital. Mark Schiefelbein/AP hide caption

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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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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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