Health care reform: Are you a winner or a loser?

Every new piece of legislation has winners and losers. Health care reform legislation is no exception, and, given the historic nature of the law, there are some very big winners as well as some very big losers.

Some of the biggest winners who will get help this year include people with pre-existing conditions who, within 90 days, can finally get insurance through temporary pools. And many will be happy to hear that within six months, insurers will no longer be able to take away coverage (ironically) because you get sick, unless the insurance company can prove fraud.

Also on the winning end: All those who will no longer have a co-pay for some preventive services, who will have lifetime limits removed from their policies, and who are tired of waiting for coverage -- under the law, insurers will have to limit waiting periods to 90 days for coverage.