In the last few months, we have seen many rules and regulations for health care reform introduced by the Department of Health and Human Services. Whenever this happens, the media captures it and all sorts of articles are written in the Wall Street Journal, the New York Times, and the TV network’s news programs. All the analysts started talking about the pros and cons and what it meant to businesses and individuals.
The problem with this is, a lot of the time one writer looked at the control and wrote a part about it. Other authors then start using fragments from that first article and rewrite the parts that match their article. When information is widely distributed, the actual rules and regulations are distorted and distorted, and what is actually shown in the media sometimes does not really represent the reality of what the rules say.
There is a lot of misunderstanding about what is happening with Obamacare and one of the things I noticed in discussions with clients is that there is an underlying myth that people have raised about healthcare reform which is not true but because of what they have heard in the media, people Believes that these myths are actually true.
Today we are going to talk about three myths that I hear the most. Not everyone believes this myth, but enough, and it is uncertain what others will believe, so it now guarantees the removal of these myths.
The first is that healthcare reform only affects uninsured individuals. The second is that Medicare benefits and Medicare programs will not be affected by healthcare reform. And then the last one is that healthcare reform is going to reduce the cost of healthcare.
Healthcare reform only affects the uninsured
Let’s look at the first myth about healthcare reform that only affects uninsured people. In many of my discussions with clients, they use several expressions: “I already have coverage, so I won’t be affected by Obamacare,” or “I’ll just keep my grandfather’s health insurance plan,” and the last – and this is what I give them a little discount. Can, because part of what they’re saying is true – “I have group health insurance, so I won’t be affected by healthcare reform.”
Well, the reality is that health care reform is going to affect everyone. Starting in 2014, we are going to have a completely new health plan, and those plans have many additional benefits that the existing plans do not offer today. So these new plans are going to cost more.
Impact of healthcare reform on people including health insurance
Those who currently have health insurance are set to convert to this new plan by 2014. So insurers will be directly affected by this as their health plans go away today and they will be mapped into a new Obamacare plan in 2014.
Impact of uninsured healthcare reform
The insured have an additional problem that if they do not get health insurance in 2014, they will face mandatory fines. Some healthy uninsured people look at that penalty and say, “Well, the penalty is 1% of my total income; I earn $ 50,000, so I’ll pay a 500 500 fine or $ 1,000 for health insurance. In that case, I’ll just take the penalty.” But either way. , They will be directly affected by healthcare reform. Through the mandate, it affects the insured as well as the insured.
Impact of human health care reform with the Grandfather Health Plan
Those who have grandparents’ health insurance plans will not be directly affected by healthcare reform. But because of the life cycle of their grandparents ’health plans, it will make those plans more expensive because they discover that there are now plans that they can easily transfer to those that have a richer benefit that will be more beneficial for any chronic disease they may have health problems.
For those grandparents who are in the plan, the number of customers in the plan will start to shrink, and as it happens, the cost of that grandparent’s health insurance plan will increase even faster than it does now. Therefore, people with parental health plans will also be affected by Obamacare.
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