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And of course for comprehensive coverage when you need major medical care (cancer treatments, surgery, etc.). Part of the health care reform forbids health insurance companies from denying you care based on pre-existing conditions, from kicking off your plan when you get sick, or from imposing lifetime benefit caps.

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Unfortunately nothing in the health INSURANCE reform prevents said companies from increasing your rates to the point where you cannot afford it any more so you voluntarily drop their coverage.

So pretend all you want that it actually means you are secure and guaranteed coverage, you aren't if you cannot afford it.

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