Health insurance for families has been a tricky topic in the past. Many employers have declined to offer family coverage, or if they have offered it, the premiums have been difficult for a family to afford. When family coverage is available, it often fails to cover essential care, or insurers might deny coverage for children with disabilities or pre-existing conditions. Now that the government has passed the Affordable Care Act, though, family health insurance coverage has changed. The new law makes insurers more accountable, eliminates …