FRESNO, Calif. --Health reform was supposed to make decent health care coverage available to everyone at a reasonable cost. But the law isn't fully implemented yet, and many people are unwittingly signing up for insurance that barely protects them. A Consumer Reports investigation calls out "junk" health insurance and how to avoid it. One type to avoid is a so-called mini-med plan offered by some employers. Mini-med plans deliver very limited protection, such as a $2000 maximum payout per year for hospitalization. That is nowhere near enough to cover a serious illness. At this point mini-med plans are legal, but they're supposed to be phased out by 2014.