It's a well-known complaint among consumers and healthcare advocates: The soaring cost of medical care is forcing millions of Americans to drain their savings, run up credit card bills, declare bankruptcy or lose their homes to foreclosure. A report out Tuesday that examines the problem in California says the nation's year-old healthcare law ?- currently under assault by congressional Republicans -- would help protect people in the Golden State from financial catastrophe. In its study, the consumer group Families USA points out that the law would cap how much people with insurance must spend out of their pockets for healthcare services, starting in 2014. If the law were to take effect this year, the group says, the caps would be $5,950 for an individual and $11,900 for a family of any size. Low-income people would pay less than higher earners.