I don't think insurance companies will be able to turn you down now. However I am not sure how the pricing will go. I had no health insurance because of pre-existing conditions, that is what set me up to fail financially. My house mate has pre-exisitng conditions, and she is looking into the same thing. I plan to call my state rep. to get some clearification on this new bill. What I think is scarry, is that folks now "have" to purchase it. What if you just can't afford it at all? I have to look into that part too. I also have no idea how it will effect medicaid. It is too complicated for the average joe to figure out. I am looking on line now to find a copy of the bill. Maybe there is a question site on the internet now to answer some of our questions. Take care doc. ginnie