"[I]n 2012 8.5 million consumers received half a billion dollars in refunds -- with the average consumer receiving a refund of around $100 per family. Moreover, in 2012, 77.8 million consumers saved $3.4 billion up front on their premiums as insurance companies operated more efficiently as compared to 2011.... For those Americans who already have health insurance -- the vast majority -- the only changes you will see under the law are new benefits, better protections from insurance company abuses, and more value for every dollar you spend on health care. If you like your plan you can keep it and you don't have to change a thing due to the health care law."

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