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Photo by: Seth Perlman

Jerry and Becky Morefield enjoy some time together with their 15-year-old triplets with cerebral palsy in Mahomet, Ill., Wednesday, Sept. 22, 2010. The nation's new health care law adds consumer protections that kick in Thursday, forcing insurers to meet new requirements. Coverage for children with pre-existing conditions is guaranteed. Lifetime dollar caps are eliminated. And insurers can no longer cancel policies retroactively for frivolous reasons when people get very sick. The children are from left to right, Tucker, Taylor and Tanner. (AP Photo/Seth Perlman)

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