To the credit of opponents of health-care reform, the lies and exaggerations they're spreading are not made up out of whole cloth-which makes the misinformation that much more credible. Instead, because opponents demand that everyone within earshot (or e-mail range) look, say, at page 425 of the House bill!," the lies take on a patina of credibility. Take the claim in one chain e-mail that the government will have electronic access to everyone's bank account, implying that the Feds will rob you blind. The 1,017-page bill passed by the House Ways and Means Committee does call for electronic fund transfers-but from insurers to doctors and other providers. There is zero provision to include patients in any such system. Five other myths that won't die: [1] You'll have no choice in what health benefits you receive. [2] No chemo for older Medicare patients. A related myth is that health-care reform will be financed through $500 billion in Medicare cuts. This refers to proposed decreases in Medicare increases. [3] Illegal immigrants will get free health insurance. [4] Death panels will decide who lives. [5] The government will set doctors' wages. To be sure, there are also honest and principled objections to health-care reform. Some oppose a requirement that everyone have health insurance as an erosion of individual liberty. And many are simply scared out of their wits about what health-care reform will mean for them. But when fear and loathing hijack the brain, anything becomes believable.