ObamaCare Facts & Myths

[NaNa 878]

FYI...for those who are not clear on exactly what ObamaCare means.

http://obamacarefacts.com/obamacare-myths.php

ObamaCare: Myths About Health Care Reform

Separating the ObamaCare Facts from the ObamaCare Myths 2013 and Beyond

The ObamaCare Myths about health care aren't just confusing, they are wrong. ObamaCare myths range from premium increases to ObamaCare implanting RFID chips in all Americans. ObamaCare Facts aims find out the truth behind the myths about ObamaCare. When it comes to the well being of Americans, there is no room for opinions and rhetoric.

The Following Are Some Common Myths About Obama's Health Care Reform

New ObamaCare myths are coming out every day. Keep checking back as we fact check the rhetoric.

ObamaCare Myth: ObamaCare Creates Health Insurance

ObamaCare does’t create health insurance, it regulates the health insurance industry and helps to increase quality, affordability and availability of private insurance. The law does this by creating new rules for insurers, expanding Medicaid to tens of millions of more Americans and by implementing a Health Insurance Marketplace where Americans can buy subsidized, regulated health insurance in a competitive private market.

ObamaCare doesn’t create a government-run healthcare system or Government insurance. It greatly expands business for the private for-profit health insurance industry, creating about 12 million new customers. In other words ObamaCare regulates the free market, it doesn't replace it. It does however expand and improve Medicare, Medicaid and CHIP which are types of Government health insurance. It also expands private employer based insurance.

ObamaCare Myth: You Have to Use the Health Insurance Marketplace

No one has to use the marketplace. Anyone who likes there current insurance can keep it. If you have Government based insurance like Medicare, Medicaid, or CHIP then you are covered. If you like your work based insurance, you can keep that too. The marketplace is for uninsured Americans and those who don't like their current plan. Those making under 400% of the Federal Poverty Level may get help with monthly premium costs and reduced out-of-pocket costs on insurance purchased through the marketplace. Please be aware that if you have access to affordable employer based coverage that provides at least the coverage of a "bronze" plan sold on the marketplace, you won't be able to get cost assistance on the exchange.

ObamaCare Myth: My Employer Has to Cover Me

The employer mandate has been pushed back to 2015. Employers with more than 50 full-time equivalent employees will have to cover their employees come 2015. Small businesses don't have to insure employees but can get tax breaks of up to 50% of their employee premium costs via the health insurance marketplaces. Learn more aboutObamacare and small business.

ObamaCare Myth: Congress is Exempt from ObamaCare

Congress isn't exempt from ObamaCare. Congress and their staff have work based insurance, thus they should be able to stay on their current plan. However an amendment to bill before it became law said they must use health insurance marketplace. They will use the marketplace, but since their staffers, making as little as $30,000 can't get subsidies through the marketplace (they have access to employer based coverage) their employer (the Government) is allowed to cover part of the cost of their premiums. Since all members of Congress have been well aware of this since 2010, any other claim is a willful misrepresentation of the truth.

ObamaCare Myth: ObamaCare Takes Sides

"ObamaCare", officially titled the Affordable Care Act, was originally meant as a pejorative term to equate the bill with the current president in order to play politics U.S. health care reform. The truth is the Affordable Care Act is the result of a joint effort between both sides of the isle, health insurance companies and law makers and has been being worked on for decades. The law itself is based on "RomneyCare", The Massachusetts health care insurance reform law, St. 2006, c.58. "RomneyCare" was based on the individual mandate which was proposed by the Heritage Foundation in 1989. The individual mandate was championed by Republicans as alternative to single payer as it put individual responsibility at the forefront of health care reform.

ObamaCare Myth: ObamaCare Only Helps X People

The truth is ObamaCare helps everyone. Some of us might pay more, but everyone will be able to enjoy better quality health insurance and more rights and protections in regards to healthcare. When it comes to cost the rule of thumb is that the less you make the more the law helps you. Those who may pay more include individuals and families making over 400% of the poverty level and businesses with over 50 full-time employees making over $250,000.

ObamaCare Myth: Obamacare Means Higher Premiums

One of the most wide spread ObamaCare myths is that ObamaCare increases insurance premiums. While many Americans have seen their health insurance premiums rise since the passing of the new health care law, blaming "ObamaCare" is an over simplification of the truth.

The truth is insurance premiums have been growing faster than the rate of growth in income for well over a decade. Today there are more rules and regulations aimed at reducing the growth in premium rates like the rate review provision that stops insurance companies from unjustified rate hikes and the medical loss ratio provision that stops insurance companies from spending your premium dollars on non-health care related expenses. This isn't to say that the Affordable Care Act hasn't indirectly affected some premium increases.

ObamaCare stops insurance companies from raising premiums due to health status and gender or denying coverage based on pre-existing conditions. Every plan must offer more essential health benefits and preventive services at no out-of-pocket costs and much more. In some cases insurance companies have raised rates on existing plans in response to your new health care benefits, rights and protections.

Luckily ObamaCare does a lot to mitigate this affect, aside from the consumer protections mentioned above, ObamaCare creates a Health Insurance Exchange Pool known as the Health Insurance Marketplace. Today low-to-middle income Americans (and small businesses) can shop for subsidized, regulated health insurance from competing health care providers using their State's online marketplace.

Cost assistance offered through the marketplace greatly reduces premium costs of those making less than 400% of the Federal poverty level. (400% of the Federal Poverty level equates to individuals making less than $46,021 or a family of four making less than $93,700 a year). Learn more about the Health Insurance Marketplace.

ObamaCare Myth: Obamacare Means Higher Taxes

Many Americans will save on medical costs and taxes because of ObamaCare, many more won't pay a dime more than they do now as far is taxes go. Higher-earners and large employers will be responsible for more taxes, but the group who will pay more almost universally profits off of the new law. The fact is ObamaCare includes the biggest middle class tax cut to health insurance in our nation's history due to providing tax credits to millions of Americans to lower their premium costs.

The only tax that impacts the average American directly is the "individual mandate". The mandate says: If you don’t obtain coverage or an exemption by January 1st, 2014 you must pay a per-month fee on your federal income tax return for every month you are without health insurance. In 2014 the fee is $95 per adult ($47.50 per child) or 1% of income, whichever is higher. The family max is $285.

The "employer mandate" for large employers to cover their workers did lead to some employees being cut back to part-time, but it also led to many more being moved from part-time to full-time in order to provide them with health benefits.

Small businesses won't have to insurance their employees, but if they choose to they may be eligible for tax breaks of up to 50% of the cost of their employee's premium costs.

The only people who are affected by most of the other taxes you hear about are about are the 3% of businesses and 2% of Americas richest families with incomes of over $250k and capital gains over $250k. - See ObamaCare Taxes for More info and Myth debunking on taxes.

ObamaCare doesn't raise your premium and doesn't mean higher taxes for the most part, but it does limit some tax breaks and tax deductions like HSA caps.

ObamaCare Myth: ObamaCare Means Lower Wage and Fewer Jobs

The biggest job creators are small businesses with under 10 employees, next is under 20, next is under 30 employees (it goes on from there). These businesses can receive tax credits through the marketplace to help ease the burden of providing health insurance to their employees. Small businesses have historically had the hardest time providing quality coverage to themselves or their employees.

Come 2015 only businesses with over 50 full-time employees who don't already provide health benefits to their full-timers will be affected by the "employer mandate". These businesses account for .2% of all firms in America. While employees of some of those companies may have their hours cut to part time in order for employers to avoid paying a penalty, ObamaCare actually creates millions of jobs, including tens of thousands of new health care jobs, 16,000 new IRS jobs as well as many more private-sector jobs (especially in small businesses with under 25 employees) and other government jobs.

Most of the top 3% of small businesses polled said that the idea that ObamaCare would affect their job growth or hiring process was an "ObamaCare myth".

Although ObamaCare doesn't directly result in job loss, companies are cutting back hours of full-time workers to below 27 hours in order to avoid providing them with healthcare has been one of the nastier side effects of the bill. Ironically the requirement to provide insurance has been pushed back to 2015.

ObamaCare Myth: The ObamaCare Death Panels

The concept of death panels, panels that provision health care and decide if you will live or die, is an ObamaCare myth. There is, however, a financial advisory panel that study treatments to keep health care costs down. There was a provision in the health care bill that had to be removed due to the rumor of death panels. The provision would have paid doctors for providing voluntary counseling to Medicare patients about wills and end-of-life care options. Removing the provision did, ironically, hurt seniors. That fact is, your health care is in the hands of you and your doctor. ObamaCare regulates insurance not health care.

ObamaCare Myth: Obamacare Comfort Care

There has been an ObamaCare myth going around since 2011 when a "brain surgeon" called up the Mark Levin show to let him know that patients over 70 years old could be given "comfort care" instead of brain surgery depending on the decision of a panel. This "neurosurgeon's" claim has since been debunked by both the AANS (American Association of Neurological Surgeons and the CNS (Congress of Neurological Surgeons). We have also checked out the ObamaCare bill itself and can confirm this is an ObamaCare myth. The AANS stated that the man was most likely not a neurosurgeon and was rather pretending to be.

The bottom line is that ObamaCare doesn't ration health care, it helps protect consumers against the health care rationing insurance companies have been doing for years.

ObamaCare Myth: Standard of Living Will Decrease

Since your taxes probably won't be affected, your health care costs will go down and your health care will improve the chances of it affecting your standard of living negatively is unlikely. ObamaCare ultimately decreases the deficit by over $200 billion dollars helping our collective standard of living as well. Most importantly new benefits, rights and protections will lead to better quality healthcare for all Americans with health insurance.

Obamacare cuts premiums for for millions of American Families and Small Businesses resulting in the biggest tax cut for the middle class in history!

ObamaCare Myth: Cheapest ObamaCare Plan Will Be $20,000 per Family or "Average Family Will Pay $20,000 for Insurance"

This ObamaCare myth is a misleading quote from an IRS report on what Americans will pay for a Bronze plan in 2016. For some reason reports labeled a family of 5 making $120,000 in taxable income as an average American family making it seem like rates would go up.

$20,000 is what a family of 5 making $120,000 is projected to pay in 2016. Actual costs of that same family range from around $7,000 to over $30,000 depending on regional cost factors, age and smoking status alone.

Truly finding an average cost for health insurance is next to impossible. In truth every family is different and will pay rates specific to the plan they chose, their financial status, location, age, family size and smoking status. (Gender and health status are no longer factors in health insurance costs).

The report actually does display the disparity in cost, showing most individuals and families will pay 8% of their income or less while families with older heads of the household, located in States with high regional cost, making around and over the 400% FPL mark will pay more.

PLEASE NOTE: Now that the marketplaces are opening up it's being reported that the average cost of health insurance on the marketplace is $249 a month before cost-assistance. 6 in 10 Americans without health coverage could get coverage for $100 a month or less on the marketplace with cost-assistance. And large percentage of Americans will be able to get free health insurance due to the expansion of Medicaid.

ObamaCare Myth: ObamaCare Hurts Seniors and Medicare

ObamaCare reforms Medicare and offers a ton of new benefits, rights and protections for Seniors. There are a number of reformations to Medicare such as closing the "donut hole" for prescription meds, providing better health services and reforming Medicare Advantage (a private Medicare option that lets Medicare be traded on the market, despite taxpayer funding. It currently costs tax payers more than Medicare and Medicaid combined).

Large portions of ObamaCare address improving and expanding Medicare for seniors. Get the truth behindObamaCare and Medicare.

ObamaCare Myth: Medicaid Isn't Good or People Don't Want Medicaid or Medicaid is too expensive

Medicaid is the only option for many low-income Americans. The idea that there is something wrong with Medicaid is a myth spread by those who don't want to use tax dollars to care for those who cannot afford insurance. Millions of low-income Americans including women and children will go without health care because of the politicians refusing to allow Medicaid funding.

ObamaCare expands Medicaid to 15 million low-income Americans. Many State's opted out of supporting the expansion due to cost, even though the federal Government provided 100% of funding for the first 3 years. The truth is millions of Americans will go without any type of health care because of the myth that Medicaid isn't quality insurance. Get the full story on Medicaid and ObamaCare.

Today tax payers are responsible for tens of millions of dollars in unpaid medical bills because those who cannot afford insurance turn to emergency rooms for care because they have been left with no other option. Expanding Medicaid is shown to actually save State's money.

ObamaCare Myth: ObamaCare implants a "CHIP" in you when you get health care... The Mark of the Beast.

We have received multiple letters from concerned readers who believe that they will have a mandatory RFID chip planted in them do to ObamaCare. While RFID chips are a real thing and ObamaCare does pave the way to integrate RIFD chips as a way to provide better medical treatment, there is no mandate. The disinformation is causing a panic and taking away the true debate about RFID chips and the implications of their use.

The following is an example of the ObamaCare implant myth (and is left grammatically intact the way we found it):

"I don't think it is right for president to decide to put chips in the citizens of American hands or anybody else we as Americans have the right to decided if we want the chip its the mark of the BEAST People wake up its in the bible"

The idea that ObamaCare will force Americans to be implanted with RFID chips is a myth. We read the bill and did a search for (this part of the chain email):

The Obama Health care bill under Class II (Paragraph 1, Section specifically includes ‘‘(ii) a class II device that is implantable." Then on page 1004 it describes what the term "data" means in paragraph 1, section B:

14 ‘‘( In this paragraph, the term ‘data’ refers to in

15 formation respecting a device described in paragraph (1),

16 including claims data, patient survey data, standardized

17 analytic files that allow for the pooling and analysis of

18 data from disparate data environments, electronic health

19 records, and any other data deemed appropriate by the

20 Secretary"

The Facts on the ObamaCare Chip Myth

The quoted part of the law is about better data collecting for medical records, to reform the way which data is collected to better treat patients. The devices described in paragraph (1) are referring to class II devices which include both life support devices as well as RFID chips. There is no mandate about the insertion of any type of class II device.

The only time "CHIP" in mentioned in the 2,000 plus page bill is as an acronym for "Children's Health Insurance Plan". CHIP provides funds to states in order to cover children in families that do not qualify for Medicaid, but still have modest incomes. CHIP provides insurance to more than 5 million kids. It's part of ObamaCare helping to ensure that all Children have health coverage.

The debate about centralized data collection, RFID chips and how it relates to the affordable care act will become more important as we move into the next decade. Learn more about RFID chips and the ObamaCare Micro Chip Implant Rumor.

ObamaCare Myth: ObamaCare Forces Abortions and Contraceptives

ObamaCare gives religious institutions an opt-out for providing specific women's health services (it has also granted waivers to some businesses). Also, contraception coverage is not required by health care companies or exchange commissioners. Although federal funding does go towards women's services and education, it doesn't force anyone to do anything in regards to these services.

ObamaCare Myth: ObamaCare Rations Health Care

This is an ObamaCare myth. The new health care law doesn't ration health care, but insurance companies do.

ObamaCare actually funds research, establishes committees and enacts a number of provisions that protect consumers from the health care rationing insurance companies have been doing for ages.

ObamaCare Myth: ObamaCare is Socialist

ObamaCare is a program that everyone pays into (taxes) in order to ensure that all Americans have access to affordable quality healthcare (protections and services). Medicare / Medicaid / Social Security are all programs that work like this.

ObamaCare allows us all to purchase our own private insurance in a regulated market place. This embraces the ideas of capitalism, regulated free market and freedom of choice, along with the government's protection of your new health care related rights. It's not a widely known fact, but hospitals are almost exempt from the economy and free market due to their ability to set and control prices. Also many medical device manufactures and drug innovators have such a tight control on necessary drugs and treatments that they, in a way, control their own prices as well.

Simply calling ObamaCare a redistribution of the wealth or socialism is a very broad and inaccurate generalization of the law. Plus, there is a high chance that wealth is being "redistributed" to your family and / or small business providing better coverage, bigger tax breaks and putting money back in your pocket while improving the quality of your health care.

ObamaCare Myth: We Need Less Government

Your preference as to whether or not you appreciate the need for the Government that our founding fathers saw a need for is irrelevant when discussing ObamaCare. This is an issue of "do we need healthcare reform?" not "do we need more government?".

At this point in history, less government would mean undoing hundreds of years of progress and handing our country over to corporations. Regulations, laws and taxes are all very important to our every day lives. There is always room for reform and that is exactly what ObamaCare does.

ObamaCare Myth: Privacy / Freedom Will Be Jeopardized

The idea that ObamaCare takes away your freedom is a myth. It doesn't make you do much of anything in regards to health care. The only example of freedom being restricted is the mandate to purchase insurance or pay a tax.

Despite these facts, at the end of the day, ObamaCare costing you your freedom is a Myth. You will most likely save money and have access to better regulated Affordable Healthcare. We will all have better preventive services and the security in knowing we won't be dropped when we are sick or denied for a preexisting condition.

ObamaCare Fact: 1 in 2 Americans technically has a pre-existing condition.

ObamaCare Myth: ObamaCare is Unconstitutional

Not only is ObamaCare constitutional, it has been a law since 2010. The supreme court upheld the law, reaffirming that that ObamaCare isn't unconstitutional.

ObamaCare Myth: ObamaCare "Culling" Seniors:

ObamaCare does nothing but help seniors, it is certainly not "culling" seniors. In fact much of the new health care law focuses on improving care for Seniors via Medicare reforms.

Didn't find the ObamaCare Myth you are looking for? Check out this official doc from the American Nurses Association on Health Care Reform Myths

More ObamaCare Myths

Are We Missing Any Myths? Let us know and we will add them to the list. Here are some of the Obamacare myths that we haven't covered in detail.

ObamaCare Myth: Shutting Down Government Over Obamacare Funding Will Stop Health Care Law.

ObamaCare Myth: People Will Be Able To Commit Subsidy Fraud On The Exchanges.

ObamaCare Myth: Obamacare "Narrow Networks" Will Constrain Health Choices.

ObamaCare Myth: Obamacare Is Bad For Women.

ObamaCare Myth: With Full Access To Medical Records, The IRS Will Discriminate Against Conservatives.

ObamaCare Myth: Navigators Will Abuse Private Information.

ObamaCare Myth: Obamacare Mandates Doctors To Ask Patients About Sexual History.

ObamaCare Myth: Obamacare's Medicaid Expansion Will Force Doctors To Turn Away Patients.

ObamaCare Myth: Obamacare Is To Blame For A Projected 30 Million People Who Will Remain Uninsured.

Finding Out More About ObamaCare Myths

These are just some of the ObamaCare myths. Is ObamaCare perfect? Probably not, but if you don't like it you need to base your opinion on facts and not the ObamaCare Myths we just debunked. None of them are even remotely true. If you don't believe this article, that's OK.

You can check out our Affordable Care Act Summary or Even the Full Affordable Care Act Bill and do all the research you want. Don't believe the ObamaCare Myths, The Obama Care Facts speak for themselves.

[Terry Poperszky 2,784]

Thank you NaNa

[tiggergramma 129]

Thank you NaNa, for doing the grunt work! Unfortunately, there are some who will never be reached with facts. Health insurance can't fix that.

[cheryl2586 3,053]

Thanks for posting this so that those who feel that Obamacare is affecting them in some way. As I said before everyone deserves to have health insurance. My premiums go up every year and have for the last ten years not because of AHA. The problem I see is that people have an issue because Obama is black. If a white Mitt Romney had won the election and passed the same law not one person would be complaining about it. Frankly I am sick of paying for undeserving people collecting disability and getting a free ride when they don't need it, I am sick of people getting admitted to the hospital to get their drugs on my tax money. Now the drug addicts will have to pay for their own habits.

[Sojourner 2,446]

FYI...for those who are not clear on exactly what ObamaCare means.

http://obamacarefacts.com/obamacare-myths.php

ObamaCare: Myths About Health Care Reform

Separating the ObamaCare Facts from the ObamaCare Myths 2013 and Beyond

The ObamaCare Myths about health care aren't just confusing, they are wrong. ObamaCare myths range from premium increases to ObamaCare implanting RFID chips in all Americans. ObamaCare Facts aims find out the truth behind the myths about ObamaCare. When it comes to the well being of Americans, there is no room for opinions and rhetoric.

The Following Are Some Common Myths About Obama's Health Care Reform

New ObamaCare myths are coming out every day. Keep checking back as we fact check the rhetoric.

ObamaCare Myth: ObamaCare Creates Health Insurance

ObamaCare does’t create health insurance, it regulates the health insurance industry and helps to increase quality, affordability and availability of private insurance. The law does this by creating new rules for insurers, expanding Medicaid to tens of millions of more Americans and by implementing a Health Insurance Marketplace where Americans can buy subsidized, regulated health insurance in a competitive private market.

ObamaCare doesn’t create a government-run healthcare system or Government insurance. It greatly expands business for the private for-profit health insurance industry, creating about 12 million new customers. In other words ObamaCare regulates the free market, it doesn't replace it. It does however expand and improve Medicare, Medicaid and CHIP which are types of Government health insurance. It also expands private employer based insurance.

ObamaCare Myth: You Have to Use the Health Insurance Marketplace

No one has to use the marketplace. Anyone who likes there current insurance can keep it. If you have Government based insurance like Medicare, Medicaid, or CHIP then you are covered. If you like your work based insurance, you can keep that too. The marketplace is for uninsured Americans and those who don't like their current plan. Those making under 400% of the Federal Poverty Level may get help with monthly premium costs and reduced out-of-pocket costs on insurance purchased through the marketplace. Please be aware that if you have access to affordable employer based coverage that provides at least the coverage of a "bronze" plan sold on the marketplace, you won't be able to get cost assistance on the exchange.

ObamaCare Myth: My Employer Has to Cover Me

The employer mandate has been pushed back to 2015. Employers with more than 50 full-time equivalent employees will have to cover their employees come 2015. Small businesses don't have to insure employees but can get tax breaks of up to 50% of their employee premium costs via the health insurance marketplaces. Learn more aboutObamacare and small business.

ObamaCare Myth: Congress is Exempt from ObamaCare

Congress isn't exempt from ObamaCare. Congress and their staff have work based insurance, thus they should be able to stay on their current plan. However an amendment to bill before it became law said they must use health insurance marketplace. They will use the marketplace, but since their staffers, making as little as $30,000 can't get subsidies through the marketplace (they have access to employer based coverage) their employer (the Government) is allowed to cover part of the cost of their premiums. Since all members of Congress have been well aware of this since 2010, any other claim is a willful misrepresentation of the truth.

ObamaCare Myth: ObamaCare Takes Sides

"ObamaCare", officially titled the Affordable Care Act, was originally meant as a pejorative term to equate the bill with the current president in order to play politics U.S. health care reform. The truth is the Affordable Care Act is the result of a joint effort between both sides of the isle, health insurance companies and law makers and has been being worked on for decades. The law itself is based on "RomneyCare", The Massachusetts health care insurance reform law, St. 2006, c.58. "RomneyCare" was based on the individual mandate which was proposed by the Heritage Foundation in 1989. The individual mandate was championed by Republicans as alternative to single payer as it put individual responsibility at the forefront of health care reform.

ObamaCare Myth: ObamaCare Only Helps X People

The truth is ObamaCare helps everyone. Some of us might pay more, but everyone will be able to enjoy better quality health insurance and more rights and protections in regards to healthcare. When it comes to cost the rule of thumb is that the less you make the more the law helps you. Those who may pay more include individuals and families making over 400% of the poverty level and businesses with over 50 full-time employees making over $250,000.

ObamaCare Myth: Obamacare Means Higher Premiums

One of the most wide spread ObamaCare myths is that ObamaCare increases insurance premiums. While many Americans have seen their health insurance premiums rise since the passing of the new health care law, blaming "ObamaCare" is an over simplification of the truth.

The truth is insurance premiums have been growing faster than the rate of growth in income for well over a decade. Today there are more rules and regulations aimed at reducing the growth in premium rates like the rate review provision that stops insurance companies from unjustified rate hikes and the medical loss ratio provision that stops insurance companies from spending your premium dollars on non-health care related expenses. This isn't to say that the Affordable Care Act hasn't indirectly affected some premium increases.

ObamaCare stops insurance companies from raising premiums due to health status and gender or denying coverage based on pre-existing conditions. Every plan must offer more essential health benefits and preventive services at no out-of-pocket costs and much more. In some cases insurance companies have raised rates on existing plans in response to your new health care benefits, rights and protections.

Luckily ObamaCare does a lot to mitigate this affect, aside from the consumer protections mentioned above, ObamaCare creates a Health Insurance Exchange Pool known as the Health Insurance Marketplace. Today low-to-middle income Americans (and small businesses) can shop for subsidized, regulated health insurance from competing health care providers using their State's online marketplace.

Cost assistance offered through the marketplace greatly reduces premium costs of those making less than 400% of the Federal poverty level. (400% of the Federal Poverty level equates to individuals making less than $46,021 or a family of four making less than $93,700 a year). Learn more about the Health Insurance Marketplace.

ObamaCare Myth: Obamacare Means Higher Taxes

Many Americans will save on medical costs and taxes because of ObamaCare, many more won't pay a dime more than they do now as far is taxes go. Higher-earners and large employers will be responsible for more taxes, but the group who will pay more almost universally profits off of the new law. The fact is ObamaCare includes the biggest middle class tax cut to health insurance in our nation's history due to providing tax credits to millions of Americans to lower their premium costs.

The only tax that impacts the average American directly is the "individual mandate". The mandate says: If you don’t obtain coverage or an exemption by January 1st, 2014 you must pay a per-month fee on your federal income tax return for every month you are without health insurance. In 2014 the fee is $95 per adult ($47.50 per child) or 1% of income, whichever is higher. The family max is $285.

The "employer mandate" for large employers to cover their workers did lead to some employees being cut back to part-time, but it also led to many more being moved from part-time to full-time in order to provide them with health benefits.

Small businesses won't have to insurance their employees, but if they choose to they may be eligible for tax breaks of up to 50% of the cost of their employee's premium costs.

The only people who are affected by most of the other taxes you hear about are about are the 3% of businesses and 2% of Americas richest families with incomes of over $250k and capital gains over $250k. - See ObamaCare Taxes for More info and Myth debunking on taxes.

ObamaCare doesn't raise your premium and doesn't mean higher taxes for the most part, but it does limit some tax breaks and tax deductions like HSA caps.

ObamaCare Myth: ObamaCare Means Lower Wage and Fewer Jobs

The biggest job creators are small businesses with under 10 employees, next is under 20, next is under 30 employees (it goes on from there). These businesses can receive tax credits through the marketplace to help ease the burden of providing health insurance to their employees. Small businesses have historically had the hardest time providing quality coverage to themselves or their employees.

Come 2015 only businesses with over 50 full-time employees who don't already provide health benefits to their full-timers will be affected by the "employer mandate". These businesses account for .2% of all firms in America. While employees of some of those companies may have their hours cut to part time in order for employers to avoid paying a penalty, ObamaCare actually creates millions of jobs, including tens of thousands of new health care jobs, 16,000 new IRS jobs as well as many more private-sector jobs (especially in small businesses with under 25 employees) and other government jobs.

Most of the top 3% of small businesses polled said that the idea that ObamaCare would affect their job growth or hiring process was an "ObamaCare myth".

Although ObamaCare doesn't directly result in job loss, companies are cutting back hours of full-time workers to below 27 hours in order to avoid providing them with healthcare has been one of the nastier side effects of the bill. Ironically the requirement to provide insurance has been pushed back to 2015.

ObamaCare Myth: The ObamaCare Death Panels

The concept of death panels, panels that provision health care and decide if you will live or die, is an ObamaCare myth. There is, however, a financial advisory panel that study treatments to keep health care costs down. There was a provision in the health care bill that had to be removed due to the rumor of death panels. The provision would have paid doctors for providing voluntary counseling to Medicare patients about wills and end-of-life care options. Removing the provision did, ironically, hurt seniors. That fact is, your health care is in the hands of you and your doctor. ObamaCare regulates insurance not health care.

ObamaCare Myth: Obamacare Comfort Care

There has been an ObamaCare myth going around since 2011 when a "brain surgeon" called up the Mark Levin show to let him know that patients over 70 years old could be given "comfort care" instead of brain surgery depending on the decision of a panel. This "neurosurgeon's" claim has since been debunked by both the AANS (American Association of Neurological Surgeons and the CNS (Congress of Neurological Surgeons). We have also checked out the ObamaCare bill itself and can confirm this is an ObamaCare myth. The AANS stated that the man was most likely not a neurosurgeon and was rather pretending to be.

The bottom line is that ObamaCare doesn't ration health care, it helps protect consumers against the health care rationing insurance companies have been doing for years.

ObamaCare Myth: Standard of Living Will Decrease

Since your taxes probably won't be affected, your health care costs will go down and your health care will improve the chances of it affecting your standard of living negatively is unlikely. ObamaCare ultimately decreases the deficit by over $200 billion dollars helping our collective standard of living as well. Most importantly new benefits, rights and protections will lead to better quality healthcare for all Americans with health insurance.

Obamacare cuts premiums for for millions of American Families and Small Businesses resulting in the biggest tax cut for the middle class in history!

ObamaCare Myth: Cheapest ObamaCare Plan Will Be $20,000 per Family or "Average Family Will Pay $20,000 for Insurance"

This ObamaCare myth is a misleading quote from an IRS report on what Americans will pay for a Bronze plan in 2016. For some reason reports labeled a family of 5 making $120,000 in taxable income as an average American family making it seem like rates would go up.

$20,000 is what a family of 5 making $120,000 is projected to pay in 2016. Actual costs of that same family range from around $7,000 to over $30,000 depending on regional cost factors, age and smoking status alone.

Truly finding an average cost for health insurance is next to impossible. In truth every family is different and will pay rates specific to the plan they chose, their financial status, location, age, family size and smoking status. (Gender and health status are no longer factors in health insurance costs).

The report actually does display the disparity in cost, showing most individuals and families will pay 8% of their income or less while families with older heads of the household, located in States with high regional cost, making around and over the 400% FPL mark will pay more.

PLEASE NOTE: Now that the marketplaces are opening up it's being reported that the average cost of health insurance on the marketplace is $249 a month before cost-assistance. 6 in 10 Americans without health coverage could get coverage for $100 a month or less on the marketplace with cost-assistance. And large percentage of Americans will be able to get free health insurance due to the expansion of Medicaid.

ObamaCare Myth: ObamaCare Hurts Seniors and Medicare

ObamaCare reforms Medicare and offers a ton of new benefits, rights and protections for Seniors. There are a number of reformations to Medicare such as closing the "donut hole" for prescription meds, providing better health services and reforming Medicare Advantage (a private Medicare option that lets Medicare be traded on the market, despite taxpayer funding. It currently costs tax payers more than Medicare and Medicaid combined).

Large portions of ObamaCare address improving and expanding Medicare for seniors. Get the truth behindObamaCare and Medicare.

ObamaCare Myth: Medicaid Isn't Good or People Don't Want Medicaid or Medicaid is too expensive

Medicaid is the only option for many low-income Americans. The idea that there is something wrong with Medicaid is a myth spread by those who don't want to use tax dollars to care for those who cannot afford insurance. Millions of low-income Americans including women and children will go without health care because of the politicians refusing to allow Medicaid funding.

ObamaCare expands Medicaid to 15 million low-income Americans. Many State's opted out of supporting the expansion due to cost, even though the federal Government provided 100% of funding for the first 3 years. The truth is millions of Americans will go without any type of health care because of the myth that Medicaid isn't quality insurance. Get the full story on Medicaid and ObamaCare.

Today tax payers are responsible for tens of millions of dollars in unpaid medical bills because those who cannot afford insurance turn to emergency rooms for care because they have been left with no other option. Expanding Medicaid is shown to actually save State's money.

ObamaCare Myth: ObamaCare implants a "CHIP" in you when you get health care... The Mark of the Beast.

We have received multiple letters from concerned readers who believe that they will have a mandatory RFID chip planted in them do to ObamaCare. While RFID chips are a real thing and ObamaCare does pave the way to integrate RIFD chips as a way to provide better medical treatment, there is no mandate. The disinformation is causing a panic and taking away the true debate about RFID chips and the implications of their use.

The following is an example of the ObamaCare implant myth (and is left grammatically intact the way we found it):

"I don't think it is right for president to decide to put chips in the citizens of American hands or anybody else we as Americans have the right to decided if we want the chip its the mark of the BEAST People wake up its in the bible"

The idea that ObamaCare will force Americans to be implanted with RFID chips is a myth. We read the bill and did a search for (this part of the chain email):

The Obama Health care bill under Class II (Paragraph 1, Section specifically includes ‘‘(ii) a class II device that is implantable." Then on page 1004 it describes what the term "data" means in paragraph 1, section B:

14 ‘‘( In this paragraph, the term ‘data’ refers to in

15 formation respecting a device described in paragraph (1),

16 including claims data, patient survey data, standardized

17 analytic files that allow for the pooling and analysis of

18 data from disparate data environments, electronic health

19 records, and any other data deemed appropriate by the

20 Secretary"

The Facts on the ObamaCare Chip Myth

The quoted part of the law is about better data collecting for medical records, to reform the way which data is collected to better treat patients. The devices described in paragraph (1) are referring to class II devices which include both life support devices as well as RFID chips. There is no mandate about the insertion of any type of class II device.

The only time "CHIP" in mentioned in the 2,000 plus page bill is as an acronym for "Children's Health Insurance Plan". CHIP provides funds to states in order to cover children in families that do not qualify for Medicaid, but still have modest incomes. CHIP provides insurance to more than 5 million kids. It's part of ObamaCare helping to ensure that all Children have health coverage.

The debate about centralized data collection, RFID chips and how it relates to the affordable care act will become more important as we move into the next decade. Learn more about RFID chips and the ObamaCare Micro Chip Implant Rumor.

ObamaCare Myth: ObamaCare Forces Abortions and Contraceptives

ObamaCare gives religious institutions an opt-out for providing specific women's health services (it has also granted waivers to some businesses). Also, contraception coverage is not required by health care companies or exchange commissioners. Although federal funding does go towards women's services and education, it doesn't force anyone to do anything in regards to these services.

ObamaCare Myth: ObamaCare Rations Health Care

This is an ObamaCare myth. The new health care law doesn't ration health care, but insurance companies do.

ObamaCare actually funds research, establishes committees and enacts a number of provisions that protect consumers from the health care rationing insurance companies have been doing for ages.

ObamaCare Myth: ObamaCare is Socialist

ObamaCare is a program that everyone pays into (taxes) in order to ensure that all Americans have access to affordable quality healthcare (protections and services). Medicare / Medicaid / Social Security are all programs that work like this.

ObamaCare allows us all to purchase our own private insurance in a regulated market place. This embraces the ideas of capitalism, regulated free market and freedom of choice, along with the government's protection of your new health care related rights. It's not a widely known fact, but hospitals are almost exempt from the economy and free market due to their ability to set and control prices. Also many medical device manufactures and drug innovators have such a tight control on necessary drugs and treatments that they, in a way, control their own prices as well.

Simply calling ObamaCare a redistribution of the wealth or socialism is a very broad and inaccurate generalization of the law. Plus, there is a high chance that wealth is being "redistributed" to your family and / or small business providing better coverage, bigger tax breaks and putting money back in your pocket while improving the quality of your health care.

ObamaCare Myth: We Need Less Government

Your preference as to whether or not you appreciate the need for the Government that our founding fathers saw a need for is irrelevant when discussing ObamaCare. This is an issue of "do we need healthcare reform?" not "do we need more government?".

At this point in history, less government would mean undoing hundreds of years of progress and handing our country over to corporations. Regulations, laws and taxes are all very important to our every day lives. There is always room for reform and that is exactly what ObamaCare does.

ObamaCare Myth: Privacy / Freedom Will Be Jeopardized

The idea that ObamaCare takes away your freedom is a myth. It doesn't make you do much of anything in regards to health care. The only example of freedom being restricted is the mandate to purchase insurance or pay a tax.

Despite these facts, at the end of the day, ObamaCare costing you your freedom is a Myth. You will most likely save money and have access to better regulated Affordable Healthcare. We will all have better preventive services and the security in knowing we won't be dropped when we are sick or denied for a preexisting condition.

ObamaCare Fact: 1 in 2 Americans technically has a pre-existing condition.

ObamaCare Myth: ObamaCare is Unconstitutional

Not only is ObamaCare constitutional, it has been a law since 2010. The supreme court upheld the law, reaffirming that that ObamaCare isn't unconstitutional.

ObamaCare Myth: ObamaCare "Culling" Seniors:

ObamaCare does nothing but help seniors, it is certainly not "culling" seniors. In fact much of the new health care law focuses on improving care for Seniors via Medicare reforms.

Didn't find the ObamaCare Myth you are looking for? Check out this official doc from the American Nurses Association on Health Care Reform Myths

More ObamaCare Myths

Are We Missing Any Myths? Let us know and we will add them to the list. Here are some of the Obamacare myths that we haven't covered in detail.

ObamaCare Myth: Shutting Down Government Over Obamacare Funding Will Stop Health Care Law.

ObamaCare Myth: People Will Be Able To Commit Subsidy Fraud On The Exchanges.

ObamaCare Myth: Obamacare "Narrow Networks" Will Constrain Health Choices.

ObamaCare Myth: Obamacare Is Bad For Women.

ObamaCare Myth: With Full Access To Medical Records, The IRS Will Discriminate Against Conservatives.

ObamaCare Myth: Navigators Will Abuse Private Information.

ObamaCare Myth: Obamacare Mandates Doctors To Ask Patients About Sexual History.

ObamaCare Myth: Obamacare's Medicaid Expansion Will Force Doctors To Turn Away Patients.

ObamaCare Myth: Obamacare Is To Blame For A Projected 30 Million People Who Will Remain Uninsured.

Finding Out More About ObamaCare Myths

These are just some of the ObamaCare myths. Is ObamaCare perfect? Probably not, but if you don't like it you need to base your opinion on facts and not the ObamaCare Myths we just debunked. None of them are even remotely true. If you don't believe this article, that's OK.

You can check out our Affordable Care Act Summary or Even the Full Affordable Care Act Bill and do all the research you want. Don't believe the ObamaCare Myths, The Obama Care Facts speak for themselves.

YAWN...did LBT morph into some sort of political forum recently????

[2muchfun 8,927]

Taken directly off the Obamacare site so take it all with a grain of salt. This is no better than taking the opposing facts and myths taken from the Rush Limbaugh site. It's on the internet so it must be true?

[NaNa 878]

Taken directly off the Obamacare site so take it all with a grain of salt. This is no better than taking the opposing facts and myths taken from the Rush Limbaugh site. It's on the internet so it must be true?

This is not from "Obama's website, anything directly from President Obama would have a .gov at the end of the URL.

I just posted facts and myths that many people are getting confused.

This is the direct URL to The Health Care Market Place.

https://www.healthcare.gov/

[Banded Dan 9]

Just because you post something from the Internet does not make it a fact! Some of those so called facts are appear to be not facts at all.

[NaNa 878]

Just because you post something from the Internet does not make it a fact! Some of those so called facts are appear to be not facts at all.

Well...many people will still not believe ANY FACTS...even if they come from Obama's mouth...LOL...

Many people hate ObamaCare and really don't know why....

[Jor-el 11]

Yet no one besides her has stated which is not true... And here is a big clue if you get your news from fox you damn sure know less then she does about the facts of Obama care...Thanks for posting I'm not a huge fan of Obama care only because it's a very bad time to implement it but health care was getting way out of order,,, Next year when your hospital can not charge you 25 bucks for a aspirin and 10 bucks for the cup they bring it in you may start to think diffrent ...

[2muchfun 8,927]

My point was, your facts come from a pro Obama, pro Affordable Care Act website and can't be trusted to present the "facts". This is a political football and until the program is rolled out in it's entirety, no one knows what is true and what is not true.

[Jor-el 11]

I'm sorry but it's a mute point if you believe you have to wait to see what it's going to do is crazy because it's available for any American that wants to read it ( it's almost 2,000 pages long)...She posted something that's helpful for people that are truly not understanding and all they hear are Fox News bs.. I'm a republican and can't stand Fox News,, I agree the website does not talk about the negative affect of Obama care which is more government involvement... To the lady that thinks it because Obama is black you have to understand he would not be in the house if white people did not vote for him.. 63% of America voted for him and 64% of America hates Obama care so it can't be that lol I think it's change and America hates change

[2muchfun 8,927]

Jor-el, just because someone posts BS from a website on the internet does not make it a fact. Just as what FoxNews or CNN or NBC posts on their sites or TV programs, we really don't know yet,(maybe your crystal ball is clearer than mine?)do we?

Relying on obamacarefacts.com as a clear reference source would be like relying on scientology as the only source for spiritual guidance.

[Terry Poperszky 2,784]

Jor-el, just because someone posts BS from a website on the internet does not make it a fact. Just as what FoxNews or CNN or NBC posts on their sites or TV programs, we really don't know yet,(maybe your crystal ball is clearer than mine?)do we?

Relying on obamacarefacts.com as a clear reference source would be like relying on scientology as the only source for spiritual guidance.

2Much, I agree to you up to a point, which is why you need to try to be aware of the bias of the people presenting the information. But there is also the BS factor, I listened to "man on the street" interviews this morning were several of the people came out and said that the ACA would be implanting chips in everyones arms so that the government could track you, 'No chip, No healthcare" Now, I don't have to "Wait and see" to know that is utter nonsense and is not part of the bill. Same with the "Muslims are exempted from the ACA". Many (Not all) of the things being listed on that site are of that genre, and no, I don't have to wait and see if they are really true.

[2muchfun 8,927]

2Much, I agree to you up to a point, which is why you need to try to be aware of the bias of the people presenting the information. But there is also the BS factor, I listened to "man on the street" interviews this morning were several of the people came out and said that the ACA would be implanting chips in everyones arms so that the government could track you, 'No chip, No healthcare" Now, I don't have to "Wait and see" to know that is utter nonsense and is not part of the bill. Same with the "Muslims are exempted from the ACA". Many (Not all) of the things being listed on that site are of that genre, and no, I don't have to wait and see if they are really true.

OK, they nailed 2 out of 25? But, the obvious bias of the people providing the information is summed up in this one so called myth:

"ObamaCare Myth: We Need Less Government

Your preference as to whether or not you appreciate the need for the Government that our founding fathers saw a need for is irrelevant when discussing ObamaCare. This is an issue of "do we need healthcare reform?" not "do we need more government?".

At this point in history, less government would mean undoing hundreds of years of progress and handing our country over to corporations. Regulations, laws and taxes are all very important to our every day lives. There is always room for reform and that is exactly what ObamaCare does."

"and handing our country over to corporations" Right out of the occupy wall street handbook? I don't believe the government can provide cheaper and higher quality healthcare, period.