In the last couple of months, we’ve seen a variety of Health Care Reform rules and regulations enforced by Health and Human Services Department. Health and Human Services Department. Every time this occurs, it’s reported in the media about it. Each report appears within The Wall Street Journal, The New York Times, and the television news channels discuss the issue. Analysts begin discussing the benefits and drawbacks of this, and what it could mean for companies and people alike.

The problem is that the author was studying the rules before writing an article on these rules. Later, writers begin with the same data as was included in the article , and then rewrite the rules to make them more appropriate for their work. As the information is distributed widely in media outlets, the regulations and rules are modified and misinterpreted. What is published in the media generally isn’t true to what the regulations.

A lot isn’t known about the current state of affairs with ObamaCare The most frequent issue I’ve observed during conversations between my customers is an unspoken list assumptions people make about health reforms that aren’t the truth at all. However, due to the information that they’ve been exposed to through the media, they believe these beliefs are truthful.

This article will be discussing about three myths I’m frequently heard about. Many people aren’t impressed by the stories mentioned, even though many are but many aren’t sure what myths they should believe in It is crucial to dispel these myths as soon as possible.

First is that health reforms won’t be impacting people who do not have insurance. The second concern is Medicare Benefits and other benefits. Moreover, the Medicare program isn’t directly affected by the result of reforms to healthcare. The final reason is that the reforms in healthcare will lower the costs of health care.

Healthcare Care Reform Only Doesn’t affect the uninsured

Let’s examine the most common misconception about health reform. It only applies to people who do not have insurance. In the many conversations I’ve had with my clients, I’ve encountered a couple of phrases they usage of “I am already covered so I’m in no in any way affected or in any way affected from ObamaCare,” or “I’ll simply keep my current health insurance” and the last one is to give them some leeway because the idea they’re proposing is true “I am already insured through an insurance company, which means I’m not going to be affected by the reforms to health care. “

The health reforms will impact each individual. In 2014, we’ll be able to access to a variety of health plans that are new. The plans will have huge benefits, and will include many additional features that existing plans do not provide. This means that the plans will be more expensive.

A Health Reform’s Impact On People With Health Insurance

The people who are covered by medical insurance will be able to join the new plans the year the year 2014. The covered are directly affected since the health plans they currently are enrolled in are in place but will eventually be replaced with an entirely different ObamaCare plan in 2014.

Healthcare Care Reform Impact on those who are uninsured

Uninsured individuals face a distinct problem should they do not have health insurance coverage before 2014 and are penalized for it for not having insurance. Many healthy individuals with no insurance might be contemplating the penalty, and may say “Well there’s a penalty of one percent my earnings,, which would be $50,000. This means I’ll have to pay a penalty of $500 or $1000 to pay for health insurance. In this situation, I’ll be required to have to pay penalty. ” Anyhow, in any case they’ll impact directly on the reforms to the healthcare system. Health system. Its mandate is that it is applicable to those who are insured, but people who aren’t insured.

Healthcare Care Reform Impact on Grandparents with health plans

Individuals who are covered under health insurance plans with grandfathered benefits aren’t likely to suffer any direct impact from the healthcare overhaul. However, due to the duration that the insurance included in the grandfathered plan, it will increase the cost when they learn that the existence of plans that allow them to switch to one that has additional benefits that are more suitable for any health problems they might be suffering due to.

For those who are under the grandfathered plans, the number of people who are enrolled into the plan will decline and, as a result the cost of these health insurance plans which are grandfathered will rise even more than they do now. So, those who are grandfathered into health insurance plans could be affected too due to ObamaCare.

Health Care Reform as well as Health Care Reform Effect On those covered by Group Health Insurance

The third one is the small-group market. This is the one that is more affected by health reform. While the regulations of the reforms generally affect medium and large-sized businesses and those with fifty or more employees small businesses could also be affected, even though they don’t fall under ObamaCare in its own way.

Surveys, polls, and polls are suggesting is that companies with 10 or fewer employees are beginning to consider the possibility of removing health insurance entirely and refraining in imposing on employees a price to the company. Instead, they’ll ask their employees to purchase health insurance via the exchange to purchase healthcare insurance.

In reality, some insurance companies have indicated that they are anticipating that 50% of small businesses that employ less than 10 people will be removing their health insurance plans between 2014 until in 2016. It will impact anyone who is insured under the health insurance plan for their company, specifically those who are part of smaller enterprises that have stopped the health insurance coverage.

It’s not just the people who are uninsured who could be affected due to the health reforms. everyone will be affected.

Health Care Reform will not impact Medicare

Another misconception was that changes to health care did not have any effect on Medicare. It’s actually an absurdity since at the start, biggest cuts targeted people who were part of the Medicare. Medicare program. If you study the Medicare portion of the budget of Federal government agencies, you’ll see that, in 1970, Medicare was only 4 percent of the U.S. federal budget, in 2011 , it was 16.1 percent of the budget.

If we consider it in the past decade, which spans between 2002 and the year 2012. Medicare has been the most extensive and rapidly growing of the main entitlement programs offered to the people by the federal government. The program has seen an increase of more than 70% within the time of time.

Due to the scale of Medicare is and the speed with that it’s expanding, it’s among the most vital programs ObamaCare is managing to stop the collapse of U.S. Medicare is going be affected as the initial cuts for Medicare are estimated to be around 716 billion dollars.

Medicare Cost Cuts as well as its Implications

In the $716 billion of cuts, the Medicare Advantage program gets cut the most and is most likely to be the worst hit by the negative impacts. What it does is increase the cost that people have to pay for their Medicare Advantage plan, and decrease the benefits offered by these plan.

The cost of Medicare Advantage have been increasing. Medicare Advantage Costs

At present times, lots of people are choosing Medicare Advantage plans due to the fact that they don’t need to cover the costs. If they are offered the option to select the Medicare plan, the majority of people view it as an easy decision since it’s free “Sure I’m getting Medicare benefits, but I’m not required be paying for them. What reason would I not wish to pay for it. ” Then you’ll see Medicare costs rising to a range of between $100, $80 or $90. This has already been observed in some Blue Medicare Advantage plans this year. This will only worsen as we progress into the near future.

Reduced Medicare Advantage Benefits

In order to reduce the cost of premiums, the primary strategy Medicare Advantage plans employ is to increase copayments, increasing the deductibles and changing the cost of co-insurance. To keep costs at a minimum, they transfer some of the cost to Medicare Advantage beneficiaries. Higher premiums and lower benefits are the only two aspects we’re likely to observe in Medicare Advantage plans.

Fewer Medicare Physicians

If that wasn’t enough Medicare doctors receive less and less reimbursements from Medicare Advantage patients. As a result, they’ll not be able to accept any new Medicare Advantage clients. It’s likely that the amount of doctors willing to treat patients in Medicare is decreasing, despite major changes to be made in the years to follow. So, Medicare will likely be greatly affected by the changes to healthcare. Everyone is eagerly awaiting the next step and excited to see what happens following years.

It’s the Health Care Reform Will Lower Costs of Healthcare

The final one that is likely to be the most prevalent misconception about healthcare reform is that a lot of folks believe ObamaCare could reduce the costs in health care. It’s a completely falsehood. In the beginning of the process , when they were trying to develop the rules and regulations the main goal was to reduce healthcare costs was to reduce the cost of healthcare. One of the main objectives for the change was reduce on the expense related to healthcare.

However, in it’s course the goal shifted away from cost reductions and towards the necessity of regulation in the industry of insurance. The moment they made this change, the cost savings were removed from the priority list. There are a few cost-cutting aspects included in ObamaCare however the most important aspect is the regulation of health insurance. The plans offer the most obvious example of this, they offer greater benefits than the existing plans and offer more benefits, which translate into higher costs.

Healthcare Reform subsidies Can They Help Make Affordable Health Plans accessible?

Many people think, “The subsidies are going aid in reducing the costs of health insurance surely? ” In certain situations it’s possible that subsidies could help in making plans more affordable for those who need help. If you earn too much money and earn a substantial income the health insurance plan you choose might be more expensive and result in a cost of thousands throughout the entire year. The question of whether or not subsidies are accessible or even affordable is the subject of discussion both as well as in very near time. We’ll have to find out the cost for these types of programs.

A New Health Care Reform Taxes Passed On to Consumers

The HTML0 also contains an array of tax reforms for health reform that were added to the tax system that pays to fund ObamaCare. It is the rule that everyone who holds an insurance policy that covers health insurance as an individual, a large small group, or an individual, will be taxed to pay the cost of the reform. The health reform law will impose a range of taxation on health insurance that insurance companies pay and collect, but will charge us, the consumers.

This Mandate does not cut down on the insurance that is not insured very much.

In the beginning, following the reforms to health care the mandate was very fragile. The mandate stipulates that all people must be covered to safeguard their health or suffer the negative consequences (a tax). What this will mean is that people who are healthy remain hidden and are waiting patiently until the deadline to pass to the point at which they are forced to purchase insurance coverage for their health. Conditions that are chronic, and who weren’t covered before are now insured under the healthcare system at the first week of year 2014.

After you’ve completed the program, you can expect that the cost of plans will increase by the year year 2015. I’m confident that this will happen since those who are healthy and young will not be enticed by the opportunity to enroll in the health insurance policies. They will not be able to appreciate the advantages of signing up to an insurance plan that is costly and patients with chronic illness will be added to the plans and drive prices higher.

The purpose of reforms in health is a goal that has semantics in it.

The final section of this piece is one of the most vital aspect and it’s hilarious . I had the opportunity to see it in the early years of 2010 , and 2011. One of the most important things mentioned in the documents that were issued by Obama’s administration was the fact that Obama administration was they were confident they believed that Health Care Reform would help decrease the cost that would be due if we don’t immediately act. The message was repeated repeatedly and over. That’s how they explained the reductions in health care costs. They said that they could reduce expenses in the coming years. However, it’s not happening yet, however, it could reduce the amount we’ll need be paying in the near term, even in the absence of doing anything immediately to deal with the problem.

It’s exciting to know that in 10 years from now the likelihood that we’ll be spending less . It’s possible. We all know how accurate forecasts are for the future can be. We’re all paying more today and will pay more in 2014 and even more in 2015 and in 2016. A lot of people are likely to be very upset about this.


Three lies claim that health reforms will only for those with insurance and won’t impact Medicare beneficiaries, and that ObamaCare can lower the cost of healthcare as much as lower costs for healthcare is all founded on fact. They’re all lies. They are not real.

It’s vital to be aware of the health reforms as they will undergo further modifications in the next year and 2013. Understanding how you can put yourself in a position to make the right choice as 2014 begins is crucial for everyone.