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Of people are mandated to get coverage who are healthy. that should help the insurance companies and that should, if you get your premiums crossed, bring premiums down for people later on. >> thats the theory. you have to hope that the economic theories out there come true. >> now bad back bob -- we didnt talk about his income, right? we dont know where he falls in to this. his issue is he has a bad back. >> he can be a millionaire and he cannot get insurance right now because -- >> will hes got...

>> he looks like you. bob has a bad back. hes not been able to get insurance. his employer doesnt offer it and because of his back insurers dont need to get near him. hes expensive. back surgery costs a lot of money. >> hes not the best friend of the insurance company. so whats going to happen immediately like within the next three months is hes going to get to join a high-risk pool, which is sort of a fancy way of saying a group of people who get together and buy insurance. >> people in souther...

Extends coverage to 32 million uninsured americans and bans insurance companies from denying coverage to people with pre-existing medical problems. when it comes to health care, weve been tossing around words like sweeping overhaul and historic reform. but for a moment, we want to think smaller, actually, substantially smaller. what does health care reform mean for someone just like you. elizabeth cohen is standing by. our senior medical correspondent. shes got some answers, when we come back ...