One more point on this. By design, the law eases into the tax payer slowly so that the answer to the immediate question: "How does this impact me now?" is "Not much." Most USA’ers only look to the now. As the laws finally become effective the insurance companies will raise rates more and more as they are mandated more and more. They are not going to eat the costs of these new laws. While I’m not against all these mandates they will raise rates and soon.

An example to this is the recent explosion of credit card interest rates since the banks were spanked by the government with new credit card laws.