how will it effect people that have benefits? honest question there...just looking for a simple answer
Republicans have been blinding people with the mandate, that they forget all the good
sh*t in the ACA. Besides not being able to decline people with pre-existing condition and
parents being able to keep their kids on their insurance longer, Insurance companies
are going to have a cap of 15% above cost for what they can charge for premiums.
That will effect everybody who has insurance and the cost should come down.
Insurance companies are already sending people refund checks for over-charging
them. The ACA also has several tax credits in it, a list of them are here:
There is a tax credit of $13,360 per child, for parents of adopted children.
There's other things, some which will not take effect until 2014.
Some of what people consider bad thing are requiring employers to provide insurance to
employees. But there are tax credits for that too. The mandate for people to purchase
insurance is offset by a subsidy of $5,000 a year. See here:
There is a 10% tax for people who use tanning beds for non-medical purposes. Some
other risky behavior has consequential taxes as well.