I'm fine with cream. Send any shoes/links that you guys like. Although we don't have to have the same shoes, it might be nice to see what everyone is thinking...

On Jan. 1, the key provisions of the Affordable Care Act took effect. Americans gained access to new health plans subsidized by federal dollars. Insurers no longer can turn away people with existing conditions. Millions are now eligible for new Medicaid benefits.

But the federal law also upended existing health-insurance arrangements for millions of people. Companies worry about the expense of providing new policies, some hospitals aren't seeing the influx of new patients t