What you should know about health care reform

(CNN) - While many changes to Americans' health care outlined in the the Patient Protection and Affordable Care Act don't take effect until 2014, a Supreme Court ruling expected this month could stop those changes from coming at all.

The act, often referred to as "Obamacare," is a step toward guaranteeing insurance coverage for all Americans and received enough support to pass in Congress in 2010. However, the Supreme Court agreed to hear arguments on several of its core issues in March . The court may rule on the issues by the end of this month.

Basics: Health care reform issues

No matter the ruling, most Americans will be affected. Here are some of the issues being discussed right now:

Business owners

One hundred and sixty million Americans receive health care from their employers, many of whom set their own rates for their employees. If the court rules against the act, employees might face higher premiums, fewer network providers, higher-deductible plans and more stringent regulations on adding adult dependents.

What is Corporate America's Plan B to safeguard employees and industry if the act is struck down? Here are some insights:

Employers' 'plan B' if health reform is axed

Employers bear brunt of health insurance hikes

The health care tax credit few are taking

National spending

Being insured helps safeguard against pricey medical bills. However, a report released Tuesday from the Centers for Medicare and Medicaid Services suggests that the act won't limit national health spending. In fact, it predicts that spending will skyrocket after a brief recession-induced dip.

Growth in health spending doesn't necessarily correlate with growth in health care costs, but what does it mean? Here's a projection:

Health spending growth to stay low, then jump

Insurance agencies

Just because a negative ruling would give health insurers the ability to opt out of reform-era options doesn't mean they're going to. UnitedHealthcare, the nation's largest health insurer, said it will maintain some of the act's key mandates regardless of the court's decision. Still, it said it will take cues from its competitors as to how to proceed on certain issues.

Here's what the company said:

UnitedHealthcare to keep some health care mandates

America's youth

For today's young adults, health care comes last. If you can't afford to feed and clothe yourself, why budget for something that hasn't happened yet? However, youth get sick and injured too, and their future bank accounts might take a toll if the act is repealed -- or if they don't insure themselves, period.

But experts suggest that youth insure themselves; here's why:

Young adults skip health care as medical debts rise

Doctors at risk

Increases in insurance coverage and changes in Medicare help patients avoid footing hefty medical bills, but sometimes their doctors pay the price.

Read why some doctors are running out of money:

Doctors going broke

The fine print

Very few people take the time to read bills in their entirety, but should we? CNN investigates lesser-known changes to the health care system tucked into "Obamacare."

Check out these tidbits:

10 lesser-known effects of health care reform law