President Barack Obama continues to push his health care plan as insurance exchanges scheduled to begin Tuesday.
At the same time, opponents are warning "buyers beware" of what's actually true in the president's rhetoric.
In one recent statement, Obama said a person's coverage would probably cost less than a cell phone bill.
The president is citing the cheapest plan, known as the "bronze plan." Consumers who choose it will pay as much as 40 percent of their medical bills out of pocket.
That would be significantly higher than President Obama has implied. In the bronze plan, a family's share of medical costs could go as high as $12,700 a year and over $6,000 for individuals, in addition to the premiums.
The president also famously said that those who like their health care plan won't be affected. But in fact, some companies are already cutting back coverage and shifting costs to employees to avoid penalties under the new law.
The American Federation of Labor and Congress of Industrial Organizations (AFL-CIO) member unions previously supported the law.
Now they're saying it's being implemented in a way that is "highly disruptive" to some union health plans because it drives up costs -- so much so that workers and companies have been forced to abandon them.
"Premiums are going to be different in different parts of the country, depending on how much coverage you buy," Obama said. "But 95 percent of uninsured Americans will see their premiums cost less than was expected."
When the president said, "less than was expected," he was referring to Congressional Budget Office expectations, not the regular consuming public. Adjusting to paying out-of-pocket costs, coupled with the monthly premiums, will be a stark transition for a previously uninsured demographic.