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 Within the last couple of months we've seen lots of Health Care Reform rules and regulations being introduced by the Health and Human Services Department. Everytime that happens, the media gets your hands on it and all kinds of articles are written in the Wall Street Journal, the New York Times, and the TV network news programs discuss it. All of the analysts start speaking about the professionals and cons, and what it means to businesses and individuals DIET PLAN.

The situation with that is, often one writer viewed the regulation, and wrote an item about it. Then other writers start using pieces from that first article and rewriting parts to fit their article. By the time the data gets widely distributed, the actual regulations and rules get twisted and distorted, and what actually shows up in the media sometimes just doesn't truly represent the fact of what the regulations say.

There's lots of misunderstanding about what is going on with ObamaCare, and among the items that I've noticed in discussions with clients, is that there's an underlying pair of myths that individuals have found about medical care reform that just aren't true. But because of most they've heard in the media, people believe these myths are in fact true.

Today we're going to speak about three myths I hear most commonly. Not everybody believes these myths, but enough do, and others are unsure what to trust, therefore it warrants dispelling these myths now.

The first one is that medical care reform only affects uninsured people. The second one is that Medicare benefits and the Medicare program isn't going to be afflicted with medical care reform. And then your last one is that medical care reform is going to reduce the costs of healthcare.

Health Care Reform Only Affects Uninsured

Let's go through the first myth about medical care reform only affecting uninsured people. In lots of the discussions I have with clients, there are numerous expressions they choose: "I have coverage, so I won't be afflicted with ObamaCare," or "I'll just keep my grandfathered medical insurance plan," and the final one - and that one I will give them a little leeway, because section of what they're saying holds true -- is "I have group medical insurance, so I won't be afflicted with medical care reform."

Well, the stark reality is that medical care reform is clearly going to affect everybody. Starting in 2014, we're going to really have a whole new pair of health plans, and those plans have very wealthy benefits with lots of extra features that the present plans today don't offer. So these new plans are likely to be higher cost.

Health Care Reform's Effect On People With Health Insurance

People who actually have medical insurance are likely to be transitioned into these new plans sometime in 2014. So the insured is going to be directly afflicted with this because the plans they've today are going away, and they'll be mapped into a new ObamaCare plan in 2014.

Health Care Reform Effect On The Uninsured

The uninsured have yet another issue in when they don't get medical insurance in 2014, they face a mandate penalty. Some of the healthy uninsured are likely to look at that penalty and say, "Well, the penalty is 1% of my adjusted gross income; I make $50,000, so I'll pay a $500 penalty or $1,000 for health insurance. For the reason that case I'll simply take the penalty." But in either case, they'll be directly afflicted with medical care reform. Through the mandate it affects the insured as well as the uninsured.

Health Care Reform Effect On People With Grandfathered Health Plans

People which have grandfathered medical insurance plans are not going to be directly afflicted with medical care reform. But due to the life cycle of these grandfathered health plan, it's going to make those plans more pricey because they discover that there are plans available now that they'll easily transfer to that particular have a richer pair of benefits that would be more necessary for any chronic health problems they might have.

For people who stay static in those grandfathered plans, the pool of subscribers in the program are likely to start to shrink, and as that happens, the expense of those grandfathered medical insurance plans increase even more quickly than they're now. Therefore, people in grandfathered health plans may also be impacted by ObamaCare.

Health Care Reform Effect On People With Group Health Insurance

The past one, the tiny group marketplace, is going to be the absolute most notably afflicted with medical care reform. Even though the medical care reform regulations predominantly affect large and medium-sized companies, and companies which have 50 or even more employees, smaller companies may also be affected, even though they're exempt from ObamaCare itself.

What many surveys and polls are starting to show is that a number of the businesses which have 10 or fewer employees are likely to look seriously at their choice to drop medical insurance coverage altogether, and no longer contain it as an expense of the company. Instead, they'll have their employees get medical insurance through the insurance exchanges.

In fact, a number of the carriers are now saying they anticipate that around 50% of small groups with 10 or fewer employees are likely to drop their medical insurance plan sometime between 2014 and 2016. That will possess a large influence on all individuals who have group medical insurance, particularly when they're in one particular small companies that drop medical insurance coverage.

It's not only uninsured that are likely to be afflicted with medical care reform, everybody is going to be impacted.

Health Care Reform Will Not Affect Medicare

The next myth was that medical care reform wouldn't affect Medicare. This 1 is type of funny because from the comfort of the very get-go, the absolute most notable cuts were specifically targeting the Medicare program. When you look at Medicare's part of the general federal, you can see that in 1970, Medicare was 4% of the U.S. federal budget, and by 2011, it'd grown to 16% of the federal budget.

When we look at it during the last 10 years, from 2002 to 2012, Medicare is the fastest growing part of the major entitlement programs in the us government, and it's grown by almost 70% during that amount of time.

Due to how big Medicare is and how fast it's growing, it's among the key programs that ObamaCare is hoping to get a handle on, therefore it doesn't bankrupts the U.S. Medicare is going to be impacted, and in fact the first cuts to Medicare have already been set at about $716 billion.

Medicare Advantage Cuts And The Effects

Of that $716 billion cut, the Medicare Advantage program gets cut the absolute most, and will see the majority of the effects. What that's going to accomplish is raise the premiums people buy their Medicare Advantage plans, and reduce the benefits of those plans.

Increased Medicare Advantage Costs

Right now, lots of people choose Medicare Advantage plans because they've zero premium. When given an option on Medicare plans, they view it as an easy choice because it's a free program for them, "Sure, I get Medicare benefits, I don't pay anything for this; why not." Now they're going to see Medicare premiums start to climb, and go from zero to $70, $80, $90, $100. We've already seen that with a number of the Blue Cross Medicare Advantage plans this year. It's going to get worse as we move forward in the future.

Reduced Medicare Advantage Benefits

In order to minimize the premium increases, what many Medicare Advantage plans will do is raise the copayments, raise the deductibles, and change the co-insurance rates. In order to keep carefully the premiums down, they'll just push more of the costs onto the Medicare Advantage recipients. Increased premiums and reduced benefits are what we're going to see coming in Medicare Advantage plan.

Fewer Medicare Physicians

And then if that wasn't bad enough, as Medicare doctors begin receiving lower and lower reimbursements for Medicare Advantage people, they're going to stop taking new Medicare Advantage recipients. We're going to start to see the pool of doctors to aid people in Medicare needs to shrink as well, unless changes are made within the course of the following five years. So Medicare is going to be affected, and it's going to be affected dramatically by medical care reform. Everybody's type of on pins and needles, waiting to see what's going to take place there.

Health Care Reform Will Reduce Healthcare Costs

The past one, and probably the largest myth about medical care reform, is everybody convinced that ObamaCare wil dramatically reduce healthcare costs. That's completely hogwash. In the beginning along the way, when they certainly were wanting to produce the rules and regulations, the emphasis and among the goals for reform was to cut back healthcare costs.

But somewhere across the line, the goal actually shifted from cost reduction to regulation of the insurance industry. When they made that transition, they pushed cost reductions to the trunk burner. There are a few small cost reduction components in ObamaCare, but the actual emphasis is on regulating health insurance. The new plans, as an example, have much richer benefits than many plans today: richer benefits means richer prices.

Health Care Reform Subsidies: Will They Make Plans Affordable?

Plenty of people hope, "The subsidies are likely to make medical insurance plans less expensive, won't they?" Yes, sometimes the subsidies will make the plans affordable for people. But when you make $1 too much, the affordable plans are suddenly going to become very expensive and can cost tens and thousands of dollars moreover the course of a year. Will a subsidy make it affordable or not affordable is truly susceptible to debate at this time in time. We're going to own to truly see what the rates appear to be for these plans DIET PLAN.