Despite what proponents of the Patient Protection and Affordable Care Act say, the law doesn't change everything. In fact, according to HealthPocket, many services often excluded from insurance coverage before health reform remain that way under PPACA.

HealthPocket, in analyzing 3,094 health plans in the 2014 individual and family health insurance market, examined what medical services were most frequently excluded from health insurance coverage in 2014 and compared the results to the most common exclusions in the pre-reform health insurance market. HealthPocket found that 80 percent of exclusions remained the same between the 2013 and 2014 lists of medical services most frequently not covered by plans in the individual health insurance market.

Still, of course, some have changed.