The law also encourages a payment model for hospitals, insurers and doctors called "accountable care organizations," which Criscuola believes also will limit doctors' choices in treating patients.
Criscuola has benefited from a provision in the health care law that provides free annual wellness exams to people with Medicare.
"Do I use it? Yeah. Is the benefit I receive from it more than if I had kept the money I paid into Social Security and Medicare payroll taxes and invested it myself? No. It's considerably less," she said. "Will it be around in 15, 20 years? Probably not."
Name: Bev Veals
Home: Near Wilmington, N.C.
Occupation: Stay-at-home mom of a 17-year-old and a 20-year-old
Insurance coverage: Coverage under the new law for people with pre-existing conditions
On Thursday morning, waiting for the news, Veals was watching CNN, which initially reported incorrectly that the law had been overturned. She was tense with worry that she would lose her coverage.
"I'm totally, absolutely right now dazed because they first, initially said it had been overturned," Veals said. "I'm sitting here gasping for breath. ... Now they're saying it's being upheld." She added: "It's a relief."
The expense of her breast cancer treatments led to bankruptcy and foreclosure for her family over a horrific 10-year period. Finally, it cost so much that she could no longer afford health insurance. She and her self-employed husband decided to drop her from the family's insurance plan four years ago to reduce their monthly premiums from $1,700 to $400 a month.
She spent the next 27 months uninsured. Then in 2011 she signed up for insurance made possible by the new law. The program helps people who have been turned away by insurance companies because of pre-existing medical conditions. She now pays $377 a month for her insurance with a $1,000 deductible, meaning she pays that much out of pocket before the coverage starts.
"It has only been a little over a year for me, but I can't tell you the dignity being covered brings," Veals said. "My biggest fear was I would have to beg for help to cover medical bills. Panhandling to pay a doctor's bill ... not my idea of the American Dream."
Though raised as a Republican, Veals said her politics are changing.
"As a conservative, I believed if you can't make your way, you don't get your way. Now I've cost more medically than I will ever be able to make. I've changed my political stance because of this," she said. "It doesn't do our economy any good when we have so many people having to file for medical bankruptcy."
Name: Carlton Grimmett
Employment: Night security guard at upscale apartment complex
Two years ago, Grimmett had a job with good insurance and a wife with diabetes and other health problems. But then his job, doing plumbing and HVAC work at an Atlanta university, was outsourced and he no longer could cover his wife's medical bills.
His wife had to stop going to the private doctors she was seeing, and her husband tried to get her into care elsewhere. But at other facilities, they encountered paperwork, delays and foot dragging, he said. Her health deteriorated.
"When you don't have insurance, they treat you different," he said.
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