This sunlit August, many Olympians will open their mailboxes and find checks from their health insurance companies. No, the companies haven’t decided to repent for their sins. Instead the Affordable Care Act, a.k.a. Obamacare, mandates that health insurance companies send us a refund if they spend more than 15% of premium dollars on profits and administration. Also this August, those who need contraceptives, or screenings for domestic abuse or HPV, will suddenly find these services fully covered. These are only a few of the dozens of reforms included in the new health law that are gradually coming into force.