Yes Virginia, there is a Santa Claus and by the way… if you like your health care plan, you can keep it…. Sort of…. Or at least a photocopy of it in your desk drawer. However if you purchased a plan after March 23rd of 2010 you are most likely going to have to swap it out for one of the new and improved “metal plans” that are now mandated to be offered to all Americans. Once again partisan media obscure the realities and make understanding what’s happening more difficult. The truth is that yes, many people are getting letters telling them that as of January 1st, 2014 their current plan of insurance will no longer exist. But wait, there’s more the news knobs aren’t mentioning…. Along with that letter comes instructions and documents outlining the new plans for which one may apply and that have no pre-existing conditions limitations. Ok… so at least that’s not as bad as just being told “sorry, you don’t have insurance anymore.” All you have to do is sign up for one of the new plans and everything is wonderful, right? Not exactly…. Yes you can get any of the metal plans your little heart desires IF you can afford the premiums. Oh, but don’t worry, if it costs too much the government has already decided what you can afford based upon your income and their idea of how much of that income you get to keep for food and shelter. Nice the way they look after us isn’t it? So if you’re unable to afford the now roughly 30% higher premium for your individual policy, you can go to the exchange and IF you happen to make the attempt when the website is working, you may apply for a subsidy. Nice, so now your premium is less and all you have to do is figure out how you’re going to come up with that huge deductible in your new plan… yes… that deductible that you never had before.