Common questions are still on the minds of many regarding the Affordable Care Act. Below is a sampling:

How can I afford to buy health insurance if I am currently uninsured?

Will procedures for seniors be limited?

How does the "tax" on the uninsured work?

What if I Still Don't Want to Buy Insurance?

Will my costs go up as a result of the law?

What happens to my under-26-year-old child who is currently on my health insurance plan?

Will small business employers be required to provide health insurance, or can they force employees to go buy their own?

Please click here to read information that has been gathered to answer these and other questions regarding the Affordable Care Act.You many also visit TACT's newsletter archives section - Issue 15 to access previous reform coverage or click here.

Courtesy - Forbes,

Avik Roy, Contributor

For most people in the health policy community, the word "coverage" carries a certain emotional power. People without health insurance coverage, we believe, are one bad break away from disability and destitution. Hence, many politicians, researchers, and activists believe that expanding coverage is more important than any other policy goal. But not all health insurance is created equal. Indeed, there are tens of millions of Americans who believe they have "health insurance" who can't get actual health care when they truly need it. If Obamacare remains the law of the land, this problem will get worse, not better.

Earlier this month, in an interview with the Columbus Dispatch, Mitt Romney pointed out that, in America, anyone who has a heart attack has access to hospital care. "We don't have a setting across this country where if you don't have insurance, we just say to you, 'Tough luck, you're going to die when you have your heart attack,'" he said. "No, you go to the hospital, you get treated, you get care, and it's paid for, either by charity, the government, or by the hospital. We don't have people that become ill, who die in their apartment because they don't have insurance." But not all health insurance helps people live longer. Read more here.

(DISCLOSURE: Roy is an outside adviser to the Romney campaign on health care issues. The opinions contained herein are his alone, and do not necessarily correspond to those of the campaign.)

Courtesy - Insurance Council of Texas

Texas employers are seeing a major reduction in workers' compensation insurance premiums, an insurance trade group reports.

The Insurance Council of Texas (ICT) says reforms in House Bill 7, passed in 2005, and earlier legislation have improved the efficiency of the Texas workers' compensation system.

The Texas Department of Insurance reports premiums for workers' compensation policies have seen a 49 percent decline in rates since House Bill 7 was passed.

The average premium was $1.38 per $100 dollars of payroll in 2010 as compared to $2.70 per $100 of payroll in 2004.

"HB 7, which was passed in 2005, was landmark legislation for the workers compensation insurance system," said Steve Nichols, ICT workers' compensation manager. "The legislation directly addressed the problems the workers' compensation system faced and the results have been an overall reduction in rates, costs, disputes and claims."

The good news comes from a new study entitled "Premium Rate Ranking Summary" published by the Oregon Department of Consumer and Business Services.

The study listed Texas as the state with the most improvement in premium costs since 2010. Texas' workers compensation premiums fell from a nationwide high ranking of 12 down to 38.

HB 7 overhauled the Texas workers' compensation system by providing for the use of healthcare networks, strengthening medical treatment guidelines, placing a greater emphasis on return-to-work and restructuring the workers' compensation agency.