the protections of the health law. howard clayter works for a local town but the most important job is caring for their 29-year-old son, cedric, palized and left speechless by a mysterious ill patience >> it lasts all day, all day. about 6:00 in the morning, supposed to be about 12:00 at night. >> yes. >> reporter: what happens if you lose this insurance? >> our son will die. >> reporter: it's that simple? >> it's that simple. >> reporter: biggest worries for the clayteres, losing the safety net of preexisting conditions coverage and reinstalling a cap on lifetime experience benefits. >> we had a $1 million lifetime maximum on our policy that our employer provided. >> reporter: you already hit that? >> we almost hit that, we were getting letters before aca, because he had a liver transplant when he was 20. >> this is a life or death issue, through the affordable care act which is not perfect, which is not perfect, we've been able to reach many more people.