Julia, I would really, really prefer to have basic catastrophic insurance, and in fact if everybody else did, our health care costs would be a lot lower (since people would be actively shopping around for non-covered services). But you can forget about it now. The way politics works, once in 2014 everybody is required to have insurance meeting certain minimum federal requirements, you can be pretty sure that those miminum requirements will include everything (including cosmetic surgery, homeopathy, acupuncture and what have you). This nonsense has been going on for decades on both state and federal level, with lawmakers requiring that all health plans include this and that (e.g. it's been illegal since the 1990s to sell any health insurance that does not cover breast restoration after mastectomy or does not pay for at least two days at the hospital after child delivery).