I cringe whenever I hear Obama or any other health-care proponent say the line that we get to keep the health insurance we like. Frankly, it's not true and I'm pretty sure they know this.
Generally speaking, the most cost-effective health care coverage in this country tends to come from employer-based plans. Premiums enjoy a favored tax status (tax-deductible for the employer, non-taxable for the recipient), and large risk pools allow the insurers to provide the type of insurance normal human beings actually want - the kind that comes in to pay for rare, expensive stuff when necessary.
And I don't know anyone who expects to have the same employer in 2013 when all these proposed health care reforms take effect. Sorry - my friends and I are mostly in our mid-20's, which honestly is a time of rapid change in our careers and employers. In my case, I can't keep health insurance that I love (zero deductibles or co-pays, even when I go out of network for a $60k surgery) unless I agree to stay with a job I hate. Some of my friends MAY stay with their current employer for another 4 years, but it's hardly a guarantee for any of them.
Finally, there's no guarantee that the employers themselves won't cut benefits. The trend line is clearly in that direction, given the runaway cost of health care, and it's not completely unexpected for struggling companies to cut costs somewhere.
So no, we won't get to keep our current coverage, unless we're already on Medicare. I think policymakers are right to focus on the markets for individuals or small businesses, but they shouldn't lose sight of everyone else in the reform proposals. The system is broken, and I fear that those of us in the least-broken part of the system will be missing out on the best parts of reform.
EDIT: I guess this is all a roundabout way of saying that I support Sen. Wyden's free choice amendment to the Finance Committee bill.