The Healthcare Reforms Act 2010 or Affordable Care Act introduces the universal form of healthcare. The ACA aims to reduce healthcare costs and allow people to be more involved in their healthcare. The ACA is intended to make health care more accessible and increase access to health care by expanding the government's Medicaid program to financially disadvantaged people, such as low-income people, disabled people, and people over age 65 ( Arvantes, 2010). Health care reform ensures every individual in America has government or private insurance to cover hospital expenses. On top of that, 60% of American citizens have their health insurance covered by their employer. Most of these citizens are employees of small businesses or large corporations. This means that the introduction of healthcare reform has different effects on businesses. This article seeks to examine the different effects that healthcare reforms will have on small and large businesses in the United States. The paper compares the impact of the current healthcare system on business with the impact that proposed healthcare reforms will have on business (UDHHS, 2010). Some critics have raised concerns that the Healthcare Reform Act of 2010, also known as “ObamaCare” have some negative effects on businesses. This paper consolidates several rigorous studies that address the clear effects of healthcare reform on small businesses and enterprises. The paper also presents the impact of healthcare reform on costs, coverage and employer offerings based on an Urban Institute survey presented using a Health Insurance Policy Simulation Model (HIPSM). The government plans to achieve this by controlling the increase in insurance premiums. ..... middle of paper ......po prolonged illness (pre-existing conditions) to afford health insurance coverage. One of the priorities of the American healthcare system at the moment is to develop affordable and accessible healthcare initiatives for low-income and homeless people in America (Barton, 2013). There is undoubtedly a desperate need for healthcare reform in America. However, the proposed healthcare has some positive and negative aspects that impact businesses. This paper has discussed these aspects in detail to set a framework that can receive some considerations from policy makers examining those aspects that have a negative impact on businesses. This would create an environment where both large and small businesses would have the advantage of offering health insurance coverage to their employees and everyone would benefit from healthcare reforms.