"For most Americans, the answer is simple: Yes, you can keep your plan. The Medicare program hasn't changed its eligibility threshold; Medicaid has expanded its income limits. And while some firms have moved about 1 million workers to private exchanges, the vast majority of Americans who get coverage through employer-sponsored insurance plans will see no changes in 2014.... At least half of the 14 million people who shop in the individual insurance market can expect to receive a cancellation letter ahead of next year.... The cancellation letters are piling up at a much faster rate than Americans are able to sign up for new coverage."