Yep... As of Jan 1, 2014, no insurance company will be able to deny coverage based on pre-existing conditions. I was wondering about the appeals process though as (if your plan is not grandfathered) the process to appeal an insurance company's choice to deny coverage seems a lot easier. Now, if you get denied you can file for an internal (i.e. within the insurance company) review. If you are still unsatisfied after this review you can file for an external review right after that to be completed by an independent party. All of these things have to happen within strict time limits. It seems a lot better from the standpoint of the appealing party than previous processes of appeal, but I was wondering if anyone had any experience...