Let's agree that insurance is tough to understand. Start with the fact that people in general don't like the subject and add politics to the mix, and we have a perfect storm.

Much of recent news coverage on the Patient Protection and Affordable Care Act has been focused on election-year presidential promises that everyone could keep every existing health insurance policy, if they liked it.  Clearly, that wasn't 100 percent correct. Clearly, President Obama should have said "most" instead of "all." But, he didn't.

How big of a deal is this, really? Well, as it turns out, policy cancellations will affect less than 4 percent of Americans – those who buy individual health insurance directly, rather than the 80 percent who get it from their jobs or government programs, or the 15 percent who have no health insurance at all. The Census Bureau says this 4 percent figure represents at most 11 million of the 315 million citizens in the U.S.