Happy Insurance Regulation Day!

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Today, some major health insurance regulations created by the Affordable Care Act kick in. These consumer protections have kind-hearted-sounding descriptions like “coverage for kids with pre-existing conditions,” but they come with a host of caveats and seem unlikely to make the sweeping health law instantly more popular.

(More on Time.com: What Will Health Care Mean For You?)

In a story today, I run through the major new rules, who they will affect and how. (Hint: If you’ve got an uninsured kid with a pre-existing condition, you might still face an uphill battle getting coverage.)

More on Time.com:

Number of the Day: 50.7 Million

Health Insurance Broker: Friend or Foe?