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By Bob Semro If you are an American over 65, you may have questions about the new health care law, what it means for you and what you need to do. The short answer is that very little changes, and most seniors will not have to do anything. Some meaningful changes have already occurred, such as the shrinking of the prescription drug donut hole, but most of the major reforms in the Affordable Care Act, such as the new health insurance marketplaces and penalties for not having coverage, simply do not affect seniors. However, an important open-enrollment period (which has…