10 of 12: ROMNEY: "Right now, the CBO says up to 20 million people will lose their insurance as Obamacare goes into effect next year."

THE FACTS: Romney is making selective use of the Congressional Budget Office's March findings on how employers might adjust to the new health law. The neutral Washington scorekeeper actually gave Congress four scenarios - ranging from a net increase in employer-provided coverage for 3 million people to the decrease of 20 million that Romney cited.

Here's why: The law offers tax incentives for companies with more than 50 workers that provide coverage and penalties for those that don't. The analysis says it's difficult to say how companies will behave, with some making a purely economic calculation and others concluding that continuing coverage may be essential to pleasing workers in a competitive environment. "As a result, any projections of those effects are clearly quite uncertain," the study's authors concluded.

(AP Photo/David Goldman) (AP Photo/ David Goldman)

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