Plans to allow people to keep their individual health insurance policies, even if they don't meet the requirements of the health-care law, are unlikely to threaten the short-term viability of the new health insurance marketplace, according to a new Rand Corp. study. The study, released Tuesday, examines the impact of President Obama's decision in November to allow consumers to keep their insurance plans, even if those plans don't meet the requirements of the Affordable Care Act. Obama made the announcement after millions of cancellation notices were sent to consumers who buy insurance on their own, angering supporters and critics who accused him of breaking his promise that people who liked their plans could keep them.