"That's the huge loophole in this rule that could really swallow its promises," said Carmen Balber, the executive director of the non-profit Consumer Watchdog. Balber says while the regulation sounds good on paper, it doesn't tell the whole story. "There are two parts of the insurance transaction. First, insurance companies decide if they're going to sell you coverage. And second, they decide what price they're going to charge you," Balber said. "This regulation addresses the price, which of course is important to all of us, but it doesn't address the sales question-- whether or not you're going to get a policy at all."