The conversation about Obamacare shifted a bit over the weekend. Nobody has forgotten about the technical problems with healthcare.gov. But now critics are also focusing on something else: Reports of sharp premium increases that some individual consumers are facing. In the last few weeks, several hundred thousand Americans have received notices from their health insurance companies, effectively cancelling their existing policies. These consumers can get new policies, of course, but frequently they have to pay more for them.

The news reports are real—and not at all surprising. Obamacare is transforming one part of the existing health insurance market, in ways that will force some people to pay more than they do now. But that’s only part of the story. Many other people, quite possibly the majority of people in that market, will pay less than they do now. And even those paying more will be getting more comprehensive, more secure insurance.

If all of this sounds familiar, it should. Health policy experts spent much of the summer arguing about this very point—about the likelihood of both “rate shock” and “premium joy” and which effect matters more. The lesson of that debate (at least to me) was that journalists, politicians, and anybody else talking about this should really provide a full, nuanced picture—noting all the ways Obamacare is affecting premiums and how that will play out for people in different situations.

But that doesn't seem to be happening, except at places like Politifact. More typical is a recent study from the Heritage Foundation suggesting that most people will end up paying more. That report continues to reverberate throughout the right wing press, even though it left out half the facts.

So here’s a quick refresher on what's really happening: