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With all the attention focused on the Supreme Court hearings on the fate of the Affordable Care Act, it might seem that the future of all reforms to the health care system is in the balance. But some in the insurance industry say many changes are already in motion.

Chances are your domestic health plan won't pick up the tab for medical care overseas, and it almost certainly won't cover you if you're seriously hurt and need to be evacuated by air to a medical facility. Even special polices to help overseas may not be enough if you engage in risky adventures.

In rural Mississippi, the number of doctors per person is among the lowest in the country. Now, a new scholarship program is trying to attract medical students to begin their practice there. The success — or failure — of the program depends largely on the recruiter's ability to pick the right students.

Only 17 states and the District of Columbia have proposed running their own insurance markets. Experts had expected mostly small states to seek federal help, but some of the nation's largest have said they will not run an exchange on their own.

People with high blood sugar had medical expenses that were almost one-third higher than average, as did people with high blood pressure. But among common health problems, depression was linked to the highest spending increase.

Health insurers sometimes pay too much to a doctor or hospital for services rendered. When insurers look to get their money back, patients may be surprised to get stuck with the bills.

A growing number of teenage girls are incarcerated each year. Many have injuries consistent with sexual assault, and up to a third are or have been pregnant. But the care provided in detention is often inadequate for girls because the assessment of their needs misses the mark.

People hoping to save a few dollars by choosing insurance with low upfront costs may be losing out. Hospitals and other health care providers sometimes fail to apply discounts when individuals, rather than insurers, are paying the bills.

One section of the health law says its wellness programs can't require participants to give information about guns in their homes. But public health scholars criticize the measure because they say it keeps doctors and nurses from doing their jobs.

Without rules that spell out which health plan takes the lead, a young person who lives out of state and is covered by his parents' plan and a college health plan might run into trouble trying to get in-network care when far from hometown.