“The Affordable Care Act brings an end to some of the worst insurance industry practices that have kept affordable health coverage out of reach for millions of Americans, especially when they needed it most. Under the health care law, consumers can be confident that their insurance will protect them if they get sick and their families won’t be crushed by medical bills.” (Secretary Sebelius, 2013) The biggest issue for people that need care is that they are afraid to see payment of care they need. Therefore they will not try to get medical care and then become worse over time. This act protects the people and their right to health care, while also protecting them from ridiculous payments.