I have individual health insurance since I am self-employed. Thanks to healthcare reform, three weeks ago my lifetime maximum was lifted from $2 million to unlimited. Thank you Obama. I don't know what some people are complaining about, since health insurance was improved. Starting in 2014, health insurance companies will have to start accepting people with pre-existing conditions. So if you are not covered by Medicare, Medicaid, or through an employer's plan, and are a self-employed risk taker with a pre-existing condition, you can now obtain health insurance. That beats being denied health insurance and going bankrupt to pay for your care.