I'll leave it to others to argue whether President Obama's repeated statement that "if you like your health plan, you can keep it" was a terrible lie or an ill-advised oversimplification by its pitchman-in-chief. Yes, the law really was designed to enable people to keep even lousy policies - if the insurer kept offering them with limited premium increases. But it was also designed to eliminate them, sooner or later, because of one key fact: Someone eventually has to pay for care they fail to cover.