Have you talked to your soothsayer or medicine man yet about what they see in their tea leaves about health care for 2014? Certainly with all the moving parts of the Patient Protection and Affordable Care Act, and other initiatives in the employer and medical communities, there usually tends to be quite a bit of prognostication of pending opportunities. And there may be some amazing possibilities to take advantage of by all stakeholders. Here are six things you should know about this new year:

1. Guaranteed issue: Beginning in 2014, health insurance companies cannot deny health insurance coverage to an individual based on a pre-existing condition. They must give coverage to anyone who applies, and it cannot cost more if you are sick. The cost of health insurance premiums cannot vary based on health status for children or adults. Premiums may only vary based on age, geography, family size and tobacco use. The law also restricts how much premiums can vary based on age.

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