As to insurance, you mean health insurance? The Affordable Care Act Title I:
Title I. Quality, Affordable Health Care for All Americans
This title fundamentally changes the nature and operation of private health insurance in the United States. Beginning in 2014, no health insurer will be able to sell or rate coverage based on an individual''s medical history; most Americans will be required to obtain health insurance; and substantial financial subsidies will be available to low- and moderate-income Americans to help them afford the cost of health insurance. Most states will operate new "health insurance exchanges" to make shopping for health insurance easier. Small businesses and individuals can shop these insurance exchanges for competitive rates. Other important changes in health insurance, including the banning of lifetime and annual benefit limits, were implemented in 2010.
I know 2014 is a little far away for you right now, but meanwhile, until the exchanges get set up, there are insurance agents in every state who can sell you health insurance at decent rates, often if you buy a membership (typically around $75-100) in an association. Call your general insurance provider-- the one that insures your car and your house-- and ask for leads. Or call your state division of insurance-- they will certainly know. Or call any general provider in the Yellow Pages and ask them.
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