By 2014, huh? Guess what DA. The healthcare plan itself allows people who are insured under private insurance to be able to keep their existing coverage if they're happy with it, meaning they could continue their FEHBP that is provided by private insurance and for which we pay for. I and everyone else could do the same. If everything they told you were actually true, you might not look so stupid repeating it. Lies come from both sides, learn to discern.