With this reform package, all new insurance plans would be required to offer free preventive care to their customers starting this year -- so free check-ups to catch preventable diseases on the front end. That's a smart thing to do. Starting this year, if you buy a new plan, there won't be lifetime or restrictive annual limits on the amount of care you receive from your insurance companies, so you won't be surprised by the fine print that says suddenly they've stopped paying and you now suddenly are $50,000 or $100,000 or $200,000 out of pocket. That won't -- that will not happen if this becomes law this year.