The Obama Administration will be making some important decisions over the coming weeks that will determine to a large extent whether consumers or health insurers will be the biggest beneficiaries of health care reform.
When Congress passed the Affordable Care Act last year, it included a controversial provision that insurers insisted on, but which is undoubtedly the most unpopular part of the law: a requirement that all Americans not eligible for a public program like Medicare or Medicaid must buy coverage from a private insurance company.
To make that mandate fairer and more palatable, Congress also included provisions that eventually will make several of the insurance industry's most egregious practices illegal, such as refusing to sell coverage to people just because they have a pre-existing condition. The law also prohibits insurers from selling "junk" insurance and from cancelling policyholders' coverage at the time they need it most -- when they get sick.