Today we're going to talk about three myths I hear many commonly. Not every one feels these urban myths, but enough do, and the others are unsure what to believe, so it warrants dispelling these myths now. The first one is that health care reform only affects uninsured people. The 2nd one is that Medicare benefits and the Medicare plan isn't going to be affected by medical care reform. And then a last one is that health care reform is going to reduce the expense of healthcare.

 

Health Attention Reform Just Influences Uninsured Let's go through the first fable about health care reform only affecting uninsured people. In a lot of the discussions I've with customers, there are numerous words health news choose: "I curently have protection, so I won't be afflicted with ObamaCare," or "I'll just keep my grandfathered medical health insurance approach," and the past one - and that one I can provide them with a little bit of leeway, because element of what they're expressing does work -- is "I've class medical health insurance, so I won't be afflicted with health care reform."

 

Well, the reality is that medical care reform is clearly planning to affect everybody. Beginning in 2014, we're going to have a whole new group of wellness programs, and those programs have very rich advantages with lots of additional functions that the prevailing options today don't offer. Therefore these new programs will be higher cost.

 

Health Care Reform's Effect On People With Health Insurance Individuals who currently have medical insurance will be transitioned in to these new options some time in 2014. Therefore the covered will soon be immediately suffering from this since medical options they have today are getting out, and they'll be mapped right into a new ObamaCare strategy in 2014.

 

Health Attention Reform Influence On The Uninsured The uninsured have yet another issue in that when they don't get health insurance in 2014, they experience a requirement penalty. Some of the balanced uninsured will look at that penalty and state, "Properly, the penalty is 1% of my modified disgusting revenue; I make $50,000, therefore I'll pay a $500 penalty or $1,000 for wellness insurance. Because situation I'll simply take the penalty." But in any event, they'll be immediately affected by health care reform. Through the requirement it affects the insured as well as the uninsured.

 

Health Attention Reform Impact On People With Grandfathered Health Options People that have grandfathered health insurance ideas are not going to be straight suffering from healthcare reform. But due to the living pattern of these grandfathered wellness program, it's planning to create these ideas more costly because they find that there are ideas accessible now that they can quickly transfer to that particular have a richer pair of advantages that might be more very theraputic for any serious health concerns they could have.

 

For those who stay static in these grandfathered programs, the pool of customers in the master plan will start to decrease, and as that occurs, the expense of those grandfathered medical insurance programs increases much faster than they are now. Thus, persons in grandfathered health programs will also be impacted by ObamaCare.

 

Health Care Reform Effect On Persons With Party Health Insurance The final one, the small group marketplace, is going to be the most particularly afflicted with health care reform. Even although the health care reform rules primarily influence big and medium-sized organizations, and businesses that have 50 or maybe more workers, smaller companies is likewise affected, even though they're exempt from ObamaCare itself.

 

What several surveys and polls are beginning to exhibit is that a few of the companies which have 10 or fewer personnel will search severely at their choice to decline medical insurance insurance entirely, and no longer contain it being an price of the company. Alternatively, they will have their employees get medical health insurance through the health insurance exchanges.

 

In reality, a number of the carriers are now actually stating they anticipate that around 50% of little communities with 10 or less personnel will decline their health insurance plan sometime between 2014 and 2016. That'll possess a large influence on all people who have group health insurance, particularly when they're in one particular small companies that decline medical insurance coverage. It's not only uninsured that will be suffering from medical care reform, every one is going to be impacted.