First let me point out that this is apolitical. I’m quoting from the DEMOCRAT plan. Political rhetoric on healthcare that is true can also be misleading. For example, President Obama said:  “if you like your healthcare you can keep it”. True, but not for as long as you want to keep it.

H.R.3200 America's Affordable Health Choices Act of 2009

SEC. 102. PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE.

(a) Grandfathered Health Insurance Coverage Defined- Subject to the succeeding provisions of this section, for purposes of establishing acceptable coverage under this division, the term `grandfathered health insurance coverage' means individual health insurance coverage that is offered and in force and effect before the first day of Y1 if the following conditions are met:

(1) LIMITATION ON NEW ENROLLMENT-

(A) IN GENERAL- Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1.

        For those of you who do not understand what this section says, let me give my legal opinion. For example, People who enrolled in a Blue Cross private insurance plan now can keep it. But since Blue Cross cannot enroll anyone else after say 2011, Blue Cross cannot possibly stay in business. Is that clear?

        Then saying you can keep your present plan is misleading and untruthful at least to the extent that it implies that you will always be able to stay enrolled in your private plan.

        If the above is not enough to put Blue Cross out of business consider the additional subparagraphs of Sec. 102

(2) LIMITATION ON CHANGES IN TERMS OR CONDITIONS- Subject to paragraph (3) and except as required by law, the issuer does not change any of its terms or conditions, including benefits and cost-sharing, from those in effect as of the day before the first day of Y1.

(3) RESTRICTIONS ON PREMIUM INCREASES- The issuer cannot vary the percentage increase in the premium for a risk group of enrollees in specific grandfathered health insurance coverage without changing the premium for all enrollees in the same risk group at the same rate, as specified by the Commissioner.

        (2) LIMITATION ON CHANGES IN TERMS OR CONDITIONS: Any change in your policy and the insurance company is out of business. Is this what is called competition? I think not.

        (3) RESTRICTIONS ON PREMIUM INCREASES If Blue Cross is loosing money, too bad, no increases allowed.

          If you like your present doctor and insurance plan, you won’t have them for long if Obamacare passes.