The Affordable Care Act is finally in full swing, and insurers and individuals are now better able to see the effect it has on insurance coverage.

But people still have plenty of questions about the law, and account executive Dayton Wiese with Virginia Farm Bureau’s insurance company, Experient, visited the Gazette-Journal recently to discuss some of the issues he is asked about most frequently.

As background, Wiese explained some basics about the effect the health care law has had on coverage.

In the past, said Wiese, if someone wanted to buy medical insurance, he or she would have to provide extensive medical history before the insurance company determined the risk and the rate.

There were about six pages of questions about health, said Wiese, including height, weight, present medications, recent surgeries, mental health and diagnoses, and other items in a person’s medical history. In the individual market, companies could decline an application based on the informati...