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Group HealthDemocrats will point to consumer protections in the health care reform law to defend themselves in the midterm elections. It’s a shame most people with group health coverage don’t appreciate they already enjoy such benefits.

Once the law is fully in effect, carriers will no longer be able to deny someone coverage because of preexisting conditions, or charge them dramatically higher premiums. No one will have their coverage dropped if they are seriously injured or ill.

These are pretty radical changes—that is, if you must buy your own coverage. If, however, you are among the majority who still get insurance through employers, such protections are commonplace.

That’s a big reason why many remain so suspicious, even hostile, to the reform law. Secure in the group plan cocoon, they have no clue how precarious and expensive coverage can be for those left to the not-so-tender mercies of the individual market.

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