Businesses with 50 to 200 employees who work 30 hours or more a week must offer insurance or money to workers who want to get insurance elsewhere.

Businesses with less than 50 employees are exempt from coverage provisions.

The Affordable Health Care law says no insurance company can deny coverage based on that. Serena's mother, Mira, worries what might happen if the Supreme Court rules the law unconstitutional.

“It’s difficult for me to think about somebody who’s gone through something through no fault of their own, who’s had to go through so much, to have the bottom drop out like that," she said.

Steve Fleishman runs a bagel business and does not offer health care to every employee. He would see no change if he stays under 50 employees. But, if he hires more, Fleishman would have to offer affordable coverage to his regular workers or pay a penalty.

He says - in this economy - there's not much profit left over when he wraps up the day, so, he'd have to raise prices and cut staff.

“I’d want to fall into the category of somewhere between 40 and 49 employees, so somewhere along the line we’d have to trim down and work a little harder to not be in that category so we wouldn’t have to pay for health benefits," said Fleishman.

Dianna Buckett is studying for an advanced degree in public health at Johns Hopkins University. The new law allows her to remain under her parents' health insurance until age 26, even after graduation.