Health reform created a new:

Patient’s Bill of Rights that provides strong consumer protections by guaranteeing that people have access to out of network emergency care without increased cost, more choice of a primary care physician, access to OB-GYN and pediatric care without a referral, and the prohibition of rescissions, denial of coverage because of pre-existing conditions for people under 30, and lifetime limits and restricted annual limits that insurance companies used to stop paying for people’s coverage when they got sick.