Although the health care reform has made considerable steps over the past year, it is expected to take at least an additional three years before any tangible benefits of the reform will be experienced. For example, with the current bills under review, the tax-credits to help make health insurance affordable for Americans will not be implemented until the year 2013. According to the Obama Administration, this delay is a consequence of the time it will take to set up a competitive insurance marketplace, as well as fully implement the new legislation.

There has also been some criticism that the delay is also a result of making the cost of the new plan appear to be more controllable. For instance, there is a 10 year window for the financing of the health care reform, and dramatic cuts to Medicare and other items are intended to begin immediately; however, the majority of the spending for the reform will occur in the latter years. Hence, this tactic assists in keeping the cost of the reform within the $900 billion budget over the next decade.

All being said, I guess the point I’d like to drive home is that individuals should not depend/wait on President Obama’s reform before obtaining health insurance. Driving this legislation forward is a lengthy process, and it is important to be proactive and acquire health insurance today. If you are unsure about the options available to you, contact MyInsuranceExpert.com and speak with a licensed Advisor today.