There will be some immediate changes to the 2012 health plans. As you can imagine, the changes will not end next year. There are other things to keep in mind when developing new plans for the future.

Without gutting or revoking Obamacare, we can expect further restrictions from 2014 onwards. While the law on patient affordability and care has some advantages, its disadvantage reverses the equation in favor of the problems of entrepreneurs, the difficult decisions. uninsured and self-employed.

On the positive side, insurance companies cannot take a person’s health into account when insuring. Kaching ... that was the voice of his premiums rising so they could start paying coverage for healthier people. It should now be mentioned that I support insurance for everyone, regardless of health status. None of us want our families to live without health care. The financial consequences can be devastating for families if someone becomes seriously ill. But we need a better plan to pay for all this coverage than what we see today and in the near future. In two years, almost everyone should have some form of health insurance. To enforce this, people are setting up health insurance “swaps” to match people’s different income levels. Today, it is not yet entirely clear how these exchanges actually work for the benefit of policyholders or insurance companies.

One of Obamacare’s criticisms is that it is a subtly disguised plan to force everyone to leave private insurance and a choice in these exchanges run by some federal agency. Trying to understand the eloquence on this subject is like trying to nail Jello to the wall. The truth is, no one seems to know how it would actually work. Offended, we are already seeing companies comply with the new law and provide an extension for children under the age of 26 living at home with parents. This poses additional problems for companies looking to peek into the crystal ball to see what they will be tied to in two years.

Many companies recognize that they can simply waive their employees ’health insurance benefits. Rising costs, greater accountability, and confusing laws and regulations will ensure that more owners raise their hands in disgust and withdraw from the system. Owners are also considering options to put more responsibility and self-care on their employees. These options include responsible service organizations, recommended prices, and defined contributions.

The organization responsible for care rewards health professionals who reduce costs while maintaining good performance. These organizations may be owned by a physician, physician, insurance company, or other combination. Reference-based pricing allows a company to state how much it is willing to pay for services. It is therefore up to the staff to find the health professionals who are willing to work for the amount offered. This price purchase will still allow employees to choose a more expensive supplier, but the employee will have to pay the price difference. Defined contributions mean that the company offers a certain amount of money to employees to buy plans wherever they want. Price differences must be covered by the employee. These plans are available on the stock exchange, so employees will have more choices in this plan.

All of this assumes that employees will see the benefits of these changes. Most people are used to some form of HMO, PPO or other networking system, with predictable rewards, co-payments, deductibles, and so on. This future is the wild west of the health and insurance trade. In fact, we need to read information, plans, and exchanges from different companies to decide where and how we can best protect our families with health care. Unfortunately, most of us don’t have that.

We need more information and education to make this complex plan work. Or better yet, we can discard the plan before it is fully revealed and find a better way to ensure Americans allow doctors to practice medical practice and keep us all honest. Can someone come with a better mousetrap soon?