Before the 2010 Health Reform Act, when it came to your healthcare coverage, you were either comfortable and happy, or you were unhappy with or uncovered by a reasonable insurance policy. After the 2010 Health Reform Act, if you were comfortable you are probably now uncomfortable, and if you were unhappy or uncovered you are probably still so and now you can probably add confused to that description. We have sorted through the law and have deciphered the most impactful changes for both individuals and for employers.