The negative consequences of the Patient Protection and Affordable Care Act already are cascading through the health sector, with millions of Americans in states across the country learning that their health insurers have withdrawn from the market, making it increasingly difficult for them to find affordable coverage.

And this is happening despite President Obama's repeated promises that "If you like your health care plan, you will be able to keep your health care plan. Period. No one will take it away. No matter what."[1]

Even though most of the provisions of the health overhaul law don't go into effect until 2014, its destructive impact already is being felt by senior citizens, children, small and medium-sized employers, and families and individuals trying to buy their own health insurance.