If Obama didn't understand what the insurance companies were going have to meet and comply with all rules and regulation included in Obamacare than he should have never opened his mouth. Those exchanges needed to negotiate with hospital and doctor and based on the financial requirements in Obamacare not all doctor and hospital would agree, and in some cases the doctors just left their practices. As for keeping your plan, Obama must have know with all of the new requirements there was no way in hell people were going to be able to keep their plan. As such, he lied through his teeth.