Admit it. Some days it would be nice if someone else made your difficult decisions, or if a problem would disappear simply by ignoring it. But unfortunately, decisions and problems are not resolved by wishful thinking. This describes the situation for many Americans regarding the Affordable Care Act (ACA).

According to a recent Kaiser Family Foundation poll, 52 percent of respondents did not know the ACA was a law. Of this group, 12 percent thought Congress eliminated it, 7 percent believed the U.S. Supreme Court got rid of it, and 23 percent did not know whether or not the law existed.

Other recent surveys report that at least 65 percent of employee respondents want to choose their health insurance company, but three out of four expect their employers to help them understand their choices.