It is amazing to me that after the massive media coverage of the bitter debate over health reform this year, so many people remain clueless about what's in the law congressional Democrats rammed through, and what these changes mean for them.

The average Joe and Jane could no doubt speak with much more authority about the latest legal mishaps involving Paris Hilton and Lindsay Lohan than they could about the details of the most important coverage they have (or, for tens of millions, don't have)—health insurance.

Yet six months after President Barack Obama signed health reform into law, more than half mistakenly believe the law will raise taxes for most people this year. It won't—unless, of course, you are into indoor tanning (which could hike health insurance costs down the road for skin cancer care), which did get tagged with an extra fee.