Actually Insurance Co's will now be required to spend 80% of premiums on claims leaving 20% for admin costs and anything over will be refunded to the payers. You will see a huge decline in bankruptcies due to medical costs which was another added burden on the tax payer. There will be no more denials due to pre-existing conditions. In other words if you weren't on the tax payer dole any longer all of your meds, etc would be considered pre-existing and you'd pay much more. It's already been shown that the tax payer ends up covering no matter what. Yet those whom are treated without insurance the tax payer is billed at that rate you see on your bill prior to the "contracted rate". Seems to me less people will be made to suffer.