. >> and according to maryland attorney doug gansler, another benefit for those already insured -- >> our premiums will ultimately go down. >> if we can have more patients with insurance to come into a facility, that certainly helps our bottom line. >> because for those who are uninsured -- >> this law will offer you an array of quality, affordable private health insurance plans to choose from. >> erasing costs as a reason to delay seeing a doctor when you're sick. >> odds are in that time if they weren't being treated of course now they're going to be sicker. >> which makes treatment more expensive. economist steven fuller. >> we will enjoy better healthcare for less costs. >> other benefits already in place? >> insurance companies can no longer impose lifetime limits on the amount of care that you receive. >> good news for richard, who racked up $1.4 million in medical costs in 2003 alone. >> most people may not reach the lifetime cap but the reality is many people will with a chronic illness. >> as 9news now's scott broom reports -- >> before the law about 55% of insurance plans ha