

What parts of the law have taken effect already?

Some aspects of health reform are already in place. Young people up to age 26 are allowed to stay on their parents' health insurance because of the law and insurers can't deny kids coverage because of pre-existing conditions. New insurance plans must cover preventive care services, such as pap smears for women and colonoscopies, and insurance companies cannot limit the amount of care they provide a patient in a lifetime. ROBYN BECK, AFPGetty Images