CHICAGO (AP) The mother of two disabled teens called Thursdays Supreme Court ruling on the health care law wonderful because it bars insurance companies from setting lifetime limits for medical expenses a big help to her family.

But a retiree on Medicare called it a sad day and worries that the laws new rules coming in 2015 will interfere with treatments doctors can provide.

Across the country, some Americans havent been dramatically affected yet by the law, which will take a few years to reach full force. But many others say they have felt its effects already and have strong opinions about it.

Becky Morefield

Home: Mahomet, Ill. Age: 51 Occupation: Stay-at-home mom of two disabled teenagers Insurance coverage: Private insurance through husbands employer

As Morefield sees it, the health law allowed her son Tucker to die peacefully at home with private health insurance covering his care.

Tucker, one of three triplets with cerebral palsy, was always the most fragile of the siblings, Morefield said. Five years ago, he maxed out the $1 million lifetime limit in his familys policy when he went into respiratory failure and was hospitalized for 12 weeks.

Hitting the lifetime limit meant the insurance company would no longer pay Tuckers medical bills. The state of Illinois picked up the slack through a program for children with special health care needs. But the program put strict limits on certain medical supplies, leading the family to wash and reuse equipment meant for single use.

Tuckers coverage was reinstated in 2011 because the health care law barred lifetime dollar limits on coverage. He lived another 15 months covered by private insurance. At the end, he had doctor visits at home, oxygen and enough pain medication all care that Morefield said would have been restricted under the state program.

It was a blessing for us, Morefield said. People whove not had the ongoing medical things weve had dont understand.

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Americans react to historic health care decision