No, you're not understanding what happened. The new law made lots of insurance policies no longer allowed.
I understand that. Recall that I described the example of bad scam policies, and how I thought getting rid of those would be a good thing, even if the people who purchased them might think they want them.
For example: if you're a married couple 80 years old, you still have to carry, by law, insurance that includes full maternity care.
I understand this too. I too as a younger person may not want insurance that covers hip replacements until I think I might need them. The good news is that the cost of insuring an 80 year old for maternity care is probably pretty cheap, just like insuring an 18 year old for a hip replacement is probably really cheap (since neither is very likely). What's nice about this arrangement is that a lot of confusion in terms of what is covered and what isn;t is simplified for not much more cost, and in rare cases when people get pregnant (when they thought they couldn't) or in the odd cases where a college kid actually needs a hip replacement is still covered.
So a lot of existing insurance simply evaporated.
I suppose you could choose to look at it this way if you want. The other way you could look at it is that your existing plan might have become more comprehensive and more expensive, if they happened not to be deemed comprehensive enough.
I don;t doubt there are some examples where it doesn't work well. I also know for sure that there are examples of people who basically had very cheap scam insurance that are angry that they are now forced to pay more for something rather than less for nothing. But I am constantly hearing about people getting what they think is affordable insurance only to find it covers nothing they need, and they are completely screwed. But given the nature of insurance, those people may not ever know how precarious their position was especially if they were forced to switch to a more comprehensive insurance before they ever tried to use their old one for something big.
They then had to go find a way to buy new insurance - usually at much higher prices, often from a different carrier
So you are describing a scenario where your existing doctor no longer accepts insurance? I'm not sure why you can't get the insurance your preferred doctor accepts.
This isn't a matter of the doctors retiring.
I realize this is not an all encompassing example. I merely mentioned it as an example of someone "not being able to keep their doctor", but not necessarily due to "Obama's lies".
This is about the law forcing people to buy very expensive new health insurance from a new provider that - because of all of the heavy new requirements of what and who they must now cover - greatly reduce the number of doctors they'll work with.
The law doesn't force people to buy very expensive insurance nor does is force people to get a new provider. The law forces people to buy insurance that meets minimum government requirements (i.e. it removes the option to buy insurance that doesn't meet these guidelines).
Imagine this example:
The government passes a law saying all automobiles must have seatbelts. Obama comes out and says "Don't worry, you can still buy the same cars, they will just have seatbelts in them". One company decides it would rather close up shop than take orders from Obama and sell cars with seatbelts. Was Obama lying when he said you can buy the same cars? What if you wanted to specifically buy a car with no seatbelt, and not pay the extra cost of a car with a seatbelt?
This is how I basically look at it. Obama is saying "Don't worry there is still going to be Ford trucks with seatbelts, and toyota camrys with seatbelts, etc". Unfortunately if you really wanted to buy a car with no seatbelt, or if you really wanted to spend $200 less and risk driving without a seatbelt you are out of luck (and that was no doubt intentional). Was he lying? I guess technically. But why focus on that when there is a car company lying to cover up how many people die in accidents that seatbelts could prevent. To me the motivation for why someone is "lying" really matters.
And so people lost access to their familiar doctors, despite Obama's promise that no such thing would happen - remember, he said nobody would have to leave their plans (a lie).
Is it lying when a parent tells their child "this shot is going to be for your own good, and it will only hurt for a second", even though the parent knows that 0.1% kids have an allergic reaction to the shot and it will actually hurt a lot and be a bad thing?
If someone asked "What if someone likes their plan but it doesn;t meet the requirements, can they keep it?" I don't know, but I suspect Obama would have said "No, but you probably wouldn't want to.
And here is the thing. We can't even have nuanced conversations anymore in politics. Everything needs to be in 20 second sound bytes for the news to cover it. And if you don;t speak in 20 second sound bytes, the news will convert your speech into those snippets as they see fit.
So I see what Obama said as basically true, even if it wasn't technically true for every single person. And I think on the whole it probably has done a lot of good for society. I'm sorry if you were one of the people who got a raw deal.
As a person who can't stand 99% of politicians, democrats included, I just don't get the animosity directed toward Obama. One of the few politicians who seem like they legitimately care about helping people, and don't seem to be in it for their own benefit, and there are more people than ever saying he's a liar, and arrogant, and seem to just hate the guy.
I don't know if you fall into this category or not (I won;t presume to know), but a lot of people just don't want Obamacare to succeed because they don't like Obama. There were numerous cases of people claiming their insurance had gone up, but it turned out they didn't even really try to get better plans by going on the health care exchanges. They just gave up and decided Obamacare was broken and made a big stink. I remember one case where a reporter did some investigations into a particular case and found the person could actually get a better plan for less money on one of the exchanges and the person said they didn;t trust the exchanges if they were run by Obama or something to that effect.
I didn't vote for Obama. I didn't like the ACA enough to support it, but I feel like the vitriol against Obama and Obamacare is just ridiculous, especially considering all the things going on in Washington that are far more worthy to hate.