The most significant changes under the Affordable Care Act become effective on January 1, 2014. These changes include guaranteed insurability, no charge for many preventive services, the elimination of annual and lifetime limits on most illnesses and essential health benefits that are mandated on all policies. Because the impact of these changes prevents a like kind comparison between products available before 2014 and those available beginning 2014, we have separated our rate data into two sections. The products displayed in this section reflect those products available between 2010 and December 31, 2013. Current rate information is available here for products effective on or after January 1, 2014.