Far more disconcerting was the passage of two attempts at Health Reform.  The first: House Bill H.R. 3962 "Affordable Healthcare for America Act", a 1,990 page document passed on November 7^th by a narrow margin.  Only in Washington can an estimated cost of $1.05 Trillion over the next 10 years be labeled "Affordable".  In short, the bill requires everyone to obtain health insurance and all employers to provide it or be subject to a penalty (96% of eligible Americans are expected to be covered / currently 83% are).  Qualifying individuals and small employers will have subsidies  available to them.  The bill requires mandated federal coverage levels including; preventive care, the elimination of pre-existing condition limitations, and the elimination of lifetime maximum benefits (this will present a challenge for most self funded plans). READ MORE.