To the editor:

The Affordable Health Care Act will:

• prohibit denial of health insurance to persons with pre-existing conditions.

• eliminate lifetime and annual limits on essential benefits.

• cap annual out-of-pocket expenses, including deductibles and co-pays.

• prohibit insurance companies from rescinding coverage for persons who have major illnesses.

• ensure health plans provide certain preventive services at no cost to consumers.

• provide refundable and advanceable credits to make premiums affordable.

• create nonprofit, member-run health insurance cooperatives to provide affordable, quality health insurance.

The law is not perfect, but it is definitely a step in the right direction.