Fiona O'Connell is familiar with the working person's health care nightmare — the one where you get too sick to work, and then you lose your job, and then you have no insurance to pay for the treatment you need. O'Connell lived that nightmare, and she's still bitter and angry. But now she can talk about it in the past tense. As of Jan. 1, the cancer survivor has medical insurance under the Affordable Care Act. One of the central provisions of the law is that no one can be denied coverage or charged higher premiums because of a pre-existing condition. And there are no annual or lifetime caps on insurance coverage.