Once again as mentioned earlier, Obamacare doesn’t create insurance; it regulates private insurance to ensure you get more rights and protections, and in doing so, helps tens of millions get access to high-quality Affordable Health Insurance. Of course, the health care reform is not without its costs. In order to meet the amount of money needed to help insure the vast amount people, there has been an implementation of new taxes (mostly on high-earners and the healthcare industry). The taxes that may affect you directly are the individual mandate and the employer mandate. In anticipation of the employer mandate, some businesses have decreased employee hours. This increases extra operation costs to businesses that did not provide health insurance.