hi, everyone, welcome to "on the money." i'm becky quick. repeal and replace. what will happen to health care under president trump? the 80-year-old toy that keeps reinventing itself. jobs 2.0. the retirees staying in the workforce by choice. and the unusual thing they're doing. a workout without leaving home. the streaming services that a lot cheaper than joining a gym. and bill murray isn't acting when he does his new gig, he is adding entrepreneur and teacher to his unusual collection of hats. yep, that's me. "on the money" starts now. >> announcer: this is "on the money."

your money. your life. your future. now, becky quick. we begin with the affordable care act. president trump is promising to repeal it. but what will a replacement look like and what could happen to health care for you and your family? that's where this week's "health care" starts. >> obamacare has to be replaced. >> on inauguration day, president trump signed an executive order to scale back many aspects of the affordable care act but has yet to announce a replacement. for many, obamacare remains controversial and confusing. 35% of those surveyed earlier this month didn't realize that the affordable care act or the aca is the same thing as obamacare. whatever you call it, 20 million previously uninsured americans now have coverage. anyone up to the age of 26 can stay on their parents' plan and denial of coverage for a preexisting condition is prohibited. but obamacare fails to stop rising health care and insurance costs. for 2017, the price of the average plan increased by 25%.

insurance companies in many states are leaving obamacare exchanges after losing too much money. and in 2016, overall health care costs grew nearly 5%. that's the smallest increase since 2001 but still well above the rate of inflation. not all americans want the law repealed. at town halls across the country, protesters demanded the affordable care act stay the law of the land. ron williams was the ceo of aetna when the affordable care act was being created. today, he runs his own consulting firm and has a unique perspective on what health care coverage could look like if obamacare is dismantled. ron, thank you very much for being here today. >> well, thank you for having me. it's a pleasure to be here. >> it's a pleasure to see you. a major challenge to obamacare was making the math work, having enough young people paying in to balance the health care costs of older people. right now it looks like that formula may have been flawed. what do you think? >> i think it was flawed. i think that in health care, you

really need a balance of people who need health care today, tomorrow, and in the future. and the rate structure was set in a way that those who needed health care today got the most affordable premiums. that means typically older citizens got a much better deal. younger participants in the exchanges and who purchase individual insurance paid more. and they just didn't see the value and therefore they did not come forward and sign up. so we're missing their premiums. that's causing the overall rate of increase to be greater and to help make the insurance pool unsustainable financially. >> we hear the word "repeal" all the time but we haven't seen any details of what a replacement would look like. if you have insurance through your job today, are the reforms likely to change what you have? >> i try to avoid the whole repeal/replace semantics, because i think at the end of the day, the consumer-friendly features are going to remain. these are things like young adults staying on their parents' policies, a lot of the

preventive services, guaranteed issue of insurance regardless of health status. i think that these types of activities will be with us, they're here to stay permanently. we're likely to see a lot of other changes. but those are probably two years out in meaningful ways. >> the question becomes, if we keep all of those things, like the preexisting conditions and children up to age 26, the question still comes back to how do you pay for it. there have been some people who have floated ideas, said look, what you need is not the cadillac plan of coverage, what you need to offer is catastrophic care for younger people. what do you think is the proper answer? >> well, i think you do need much more competition, and you need much more flexibility. i think the practical reality is that when you give people the absolute most comprehensive plans, there is a cost to do that, and that shows up in the premium. that's one of the reasons young adults haven't been buying the product, because they don't really see value in it. i think we do need lower costs, more flexible plans.

so we need a range of options as opposed to a one-size-fits-all approach. >> the average increase for health insurance under the obamacare exchanges was something like 25%. that has people speculating, as we see many insurers kind of pulling out of the state exchanges, that the whole thing will collapse under its own weight. do you think that's likely? >> my hope is there will be some regulatory changes. and that will help stabilize the insurance pool in the near-term. at the direction it's going, the exchanges are unsustainable. >> it took years of negotiating and planning from hospital groups, insurance companies, all the drug companies to try to get behind obamacare. do you think that entire process is going to have to take place again? >> i think it does. i think we need to make changes in a thoughtful way. i think we need to level with the american people about the implications of the changes. we need the input of the hospitals, physicians, pharmaceutical companies, health insurers and most importantly,

consumers. i want to emphasize the role that physicians play in this. >> i agree completely, ron, thank you very much for joining us today. >> my pleasure. now, a look at what's making news as we head into a new week "on the money." americans were busy shopping last month. retail sales rose broadly in january up 0.4% and well above expectations. retail sales are always closely watched because consumption makes up more than two-thirds of the u.s. economy. yet another record close for the dow on thursday. that was the sixth consecutive day. the nasdaq and the s&p had a slight downturn. stocks rebounded on friday. federal reserve chair janet yellen testified before congress this week and said a rate hike in march is on the table. at least three rate hikes from the fed are expected this year, and as the company strengthens, an increase in march becomes more likely. there is a new battle for wireless customers. verizon announcing the return of

an unlimited data plan, and later in the week at&t said it would offer increased access to its unlimited plan as well. sprint and t-mobile already offer unlimited data. up next on "on the money," a look at lego, from innovation to new toys and theatrical replaces as well. how the toy giant stays relevant, fun and profitable. and later, life on the links and off. movie legend bill murray gives my golf game a few pointers, and trust me, i needed them. right now, a look at how the stock market ended the week.

lego, the iconic toy brick company has been around for more than 80 years, and

it's popular with kids and adults alike. now the brand is going hollywood. its second theatrical release is in theaters now. skip kodak is with lego america, thanks for being here. >> thanks for having me. >> it's stunning to me that you can have a toy that's more than 80 years old that kids still love. my 5-year-old, his friends in school, everybody plays with these things and they don't play with lincoln logs. what's the secret? >> we're fortunate that our brand and construction play pattern that lego brick is known for is timeless. that gives us the opportunity to do so many things, and we know to keep that relevance and to keep connecting with future generations. >> what is it about staying relevant? do you have to stay with the latest movies, the latest brands, the latest releases? how do you do that, how much of that is part of the secret? >> we look at our portfolio of products. there's a role for the hollywood, the external ips, the movie themes. equally a role for creator 3 in 1 or duplo or classic building

sets that come with more inspiration rather than step by step directions. the movies are bringing appeal from the story line and giving kids an immersive universe to play in, maybe those kids don't always love leg go, but they get attracted in. in the other themes, we're able to help them find their potential and their inner joy of creating. >> i know you've been working on some projects, what's next? >> so we've actually -- we're nearly 20 years into technology toys in a lego context. it started with mindstorms back in 1998. we've been progressively updating the technology in that product to keep up with the times and remain relevant in that. our age grading for that product is with 10-year-olds. we see so much more possibility for younger kids starting at the age of 7 to participate. and our lego boost product that we have on the table. >> i am never buying a 10-year-old one for my 7-year-old, because i can't put these things together. >> but the beauty is this is for your 7-year-old. when he's ready for that, this will be a great way for him to

engage, not only with building and connecting with the physical experience, but then using technology as a way to animate the creation where he's in charge of how it animates, how it comes to life, giving it personality, giving it sounds. it's a really interesting way forward in terms of enhancing the physical play and the digital. >> and it is good for the fine motor skills. >> it is very good for that. >> skip, thank you so much for joining us today. >> my pleasure, thanks for having me. up next, we're "on the money," planning to work in retirement? we have some job prospects you may never have thought of that can keep you in cash. later, getting the workout without joining the gym. it's not what you might think. we'll tell you how to keep your body and your wallet fit.

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hi grandma! and the fastest internet. [ girl screaming ] [ laughter ] not so long ago, the idea of working in retirement was not even a consideration. today, 20% of folks 65 and older are on the job. whether that's because of a financial necessity or a desire to just feel productive, there are some strategies you can follow to find a role that's right for you. joining us right now is kerry hannon, author of "getting the job you want after 50." carrie, thanks for joining us today. >> terrific, great to be here. >> if you are a mid or late-career worker, you may be starting to think about your next move. you say there are steps for people to figure out what to do after they retire. what are those steps? >> absolutely. first of all, give yourself as much time as you can to prepare for what you might want to do in retirement as a job.

number one, you know, i encourage people to do some soul searching. what is it that you really want to do right now? take a look at your skills. what skills do you have right now that you can redeploy into another field or another kind of job? and you want to also moonlight, if you can, and apprentice. >> that's a great idea, i love people who try it and just not jumping into something blindly. for those comfortable with the amount they have saved already, why should they consider working at least in some fashion? >> well, there's lots of great reasons, but it's a terrific safety net in general, even if you feel comfortable. a lot of people look at it just in that fashion. but there are so many mental and psychological reasons. you continue having a network, you feel relevant, you have social engagement. >> are there some unusual jobs you think are perfect for retirees? >> i like to look at two segments. there are jobs to ride the age wave, these are ones that people in their 50s and 60s can do for

70s and 80s. and ones that you can tap into some of the growing fields. number one, i love -- what about wheelchair repair? some people are great at tinkering. if that's something you love to do, there's lots of jobs to repair gurneys and wheelchairs, all kinds of medical devices. another fun one is, again, using a natural talent, voiceover artists. there are opportunities out there to do that on a freelance basis. one that's really important, and i know my own mother at 87 loves her massage therapist. you can specialize in senior massage therapy and focus on the senior market. it's not that hard, intense massage. it's a more gentler massage but it brings meaning to people's lives and there's a real demand for it. >> carrie, thank you for your time, those are some great ideas. whether you're retired or not, staying fit is important to most people. if you work out at home there are thousands of options, you can do it on demand, on dvds, on

television. but very few of them are actually live. putting you in the class when the class is happening. that is about to change in a big way, thanks to a small new company. diana olick has more. >> reporter: did you ever want to work out in one of those elite boutique manhattan fitness studios, but you live, say, here? or here? >> one, two, three, four, five! >> reporter: now you can. kind of. >> i started to realize the power of these studios. >> reporter: lauren was a wall street bond trader who traded it in for fitness and launched a tech company that's putting live cameras in the corners of boutique studios. >> these studios are very professional. when these trainers put that mike on, they're doing a performance. >> reporter: that performance streams out live across the

forte web platform. for $39 a month or $288 a year, anyone, anywhere, can stream any class. >> over the course of two years the pitch has become very simple. everybody wants to be streaming. my job has become a lot easier. >> one, two three, four, five. >> reporter: the studios get a cut of the subscription fees but they also get something else very valuable. >> i think obviously from the streaming, that's income. that's always great. but i think the exposure to the brand and what we do is, for us, number one. >> reporter: these are live streaming classes. but they're also live paying clients. not everybody wants their flex streamed on the internet. that's why each class has a dead zone. if you're over here, you're not online. but if you're in the class, you're not censored either, which adds a certain amount of risk to the reps. what do you most worry about in a live class? >> i think we're not worried about that much, actually. >> how you cannot be? >> that's the beauty of what we want to see, this raw unedited footage. we want to see the person that doesn't do one pushup the entire time, we want to see the two friends talking. >> reporter: which adds an aspect of reality show to the workout. forte is definitely unique with

the live cameras in the classes, but in the basement there's a lot of competition in the live streaming fitness space. and forte is a little behind on the technology. you still have to stream it through the computer onto your screen, as opposed to if i go to -- here you go -- my roku, i can very quickly get any number, beach body on demand, daily burn, right through the tv and get thousands of other workouts. i'm sure they'll get here. it's just a matter of time, becky. >> diana, did you find a way to work at home today? >> reporter: i kind of did. friday, you know what i'm saying? not stupid. >> love it. thank you, diana. up next "on the money," a look at the news for the week ahead, and my conversation with one of the funniest guys around, bill murray. we talked to him about ghost busting, groundhogs, and looking good on the golf course. this is the new bill murray golf line. >> fishing for compliments here.

here are the stories coming up that may impact your money this week. on monday the markets are closed for president's day. on wednesday, we'll get a look at existing home sales for the month of january. we'll also be getting the minutes from the fed's meeting earlier this month. thursday is the anniversary of the date on which one of america's most famous folk singers, woody guthrie, wrote "this land is your land" back in 1940. on friday, a read on the economy with the consumer sentiment

index for february. actor bill murray is well known for his comedic roles and going beyond the trappings of the typical hollywood celebrity. i caught up with him recently and, well, this is just another bill murray story. >> reporter: it's called the bill murray story, an outlandish yet plausible story that involves you witnessing bill murray doing something totally unusual, often followed by him walking up to you and whispering, no one will ever believe you. you just had your bill murray moment. >> yeah. >> reporter: as an actor, murray is beloved for films like "ghost busters" and "groundhog day." what were you doing on groundhog day? i know what i was doing. >> why don't you tell me what you were doing, and i'll tell you. >> i was watching groundhog day. why do you think "groundhog day" has such longevity? >> because amc can get away with

showing it all day long. >> reporter: bill murray is very much like the rest of us. he's got a cellphone. not because he's eager to hear from hollywood types. >> i don't really like talking on the phone. i only got a phone to communicate with my son. and they don't answer the phone, if you have children, you know they done answer the phone. but they will respond to a text, because it's just a little bit hipper. >> reporter: in fact he doesn't have an agent. he doesn't have a publicist. he does have a 1-800 phone number. leave a message. but he may not get around to it too quickly. >> kristen wiig who is so wonderful, sent me something and said would you look at this thing, and i'm just not very organized. >> so you lost it? >> for a while i lost it. but didn't get around to watching this thing she wanted me to watch. then she said, well, jack nicholson took the job. that guy is a poacher, he'll take anything. >> reporter: how do you decide what you're going to do and what you're not going to do? >> i just do what i like. there's no real plan. i don't have a plan. and i'm basically lazy. so there's a certain amount of

conscience that kicks in where finally -- i think we all know what i'm talking about. it's like, am i ever going to clean up this room or not, am i ever going to do those dishes, am i ever going to work again? then all of a sudden there's an idea there that's good. i've met a lot of nice people making movies, people you would throw in with because they're game, they'll take a chance. >> dogs and cats living together. that's hysteria. >> reporter: how come you never wanted to do a "ghostbusters 3?" >> we did "ghost busters" and then ghostbusters two. it just wasn't as good as the first one, the first one was pretty great. they had the idea of the girls doing it, i thought that was great. they're some of the funniest people. >> murray owns a crowd. he's become the base of the at&t pebble beach pro-am. >> really relax the grip. it's like you have a bird in your hand.

how you look is amazing, is this the new bill murray golf line? >> i'm fishing for compliments. >> reporter: how does this happen? you're an entrepreneur, this is your line of golf clothes. >> against all my better instincts, i started seeing t shirts with my face on them. i thought, well, that's so sweet. one of my friends checked up on this group that was the most prominent one and they said, we've been expecting to hear from you. here's the books, here's how many shirts and things we sold over the last few years. >> reporter: at that point you said what? >> what do you do? it's easier to join them then get in a thing about it. they said, we would like to make some clothes. like this is -- all you housewives out there, i'm sure, when you say i just don't have a good pair of overalls, what could i look good in? this is like a maternity testimony of overalls that i wear. i wore these -- not these overalls, but something like it a few years ago at pebble beach. they're fun to play golf in. i always liked overalls. i always liked girls in overalls for that matter. >> reporter: do you like being

an entrepreneur? >> it's kind of passive. i don't have to do so much. occasionally i chip in with an idea or something like that. obviously i have to keep in top physical condition, you know, as a model. it's life of denial. >> if you are interested in getting your hands on those overalls, you are out of luck, there's only two pairs. he owns both of them. but the rest of the line you can check out. some days i love my job. i want to give my thanks to bill murray, and i want to thank all of you for joining us today. that's our show. join us next week, the new way hackers are getting to your e-mail and how to keep your information safe. each week we're "on the money." keep it on here. see you next weekend. have a great one.

we're live at the nasdaq market site. it was another busy week at the particul markets. the guys behind me are getting ready. here's what's coming up on the show. >> mick? we'll do you one better. we'll show you how to protect your portfolio for just a couple of bucks. plus -- >> you can hear the sounds of nature. it's a lot to like sailing. >> and tesla shares have sailed on, nearing all-time highs, but there's something in the charts that suggests the run might be done. we'll explain. >> and -- >> there's no place like home. >> that's what home depot shareholders are saying,