In Florida, sever health insurance carriers have already stopped offering maternity benefits and 2 year rate guarantees. At Florida Healthcare Insurance, we suspect premiums are going to begin increasing due to the risk being forced on the insurers. As time goes on, we will see more changes. The plans offered today will not look the same shortly. The climate has changed dramatically. WE HAVE BEEN PREPARING for some time for this. We have positioned ourselves to do business ONLY with those A Rated Health insurance companies who are also prepared and positioned to survive the coming changes.