and when you to start using a deductible, depending on what it is better for, it might only cover 25% of whatever the cost is. so you already forking out 55 or 6000 if you're in between employment. you are under that certain dollar amount for that before you can even get american care. so there so much deception on the information that is being presented. to insure

myself through the affordable care act. . am not sure how that works i will take your answer off air. host: zachary tracer. guest: the best resource for

information is healthcare.gov or a local insurance broker or a sister. -- or assistor. i do not think we have seen either of the major candidates election. an what we saw from the president and hillary clinton is some mention of restoring a limited public option. some sort of government run in er that that -- insur would help people when maybe there is only one option. we have not seen a lot of details but we will watch it going forward. what moves the government makes or proposes to add some competition into the market and choice for people. host: one >> host: juanita in washington, d.c., hi there, good

morning. >> caller: things are takingn my call. i have many times and listen tos people talk about premiums care increasing, because of the affordable correct. i've had my interest of bipolar for 50 odd years when i was working. but interest was through my employer and now that i'm retired i'm still getting my interests of bipolar and direct out after about four years of working. every year i had insurance i had an increase. this was way before the affordable to act. some of them were small, some of them are large. i think we are misleading people when we say that the premiums are increasing because of the affordable care act. the other thing i want to say is i have a granddaughter who is working part time. she's a college graduate,tieg working part time, hasn't done anything full-time. just interest to the affordable care act. she is an actual plan withwa medstar in washington, d.c. she pays no premium or co-pay. so i think that's where you ares

located and what your local government is doing that makes a lot of difference. >> host: kadi in sunset texas we'll hear from you next. you get your insurance through medicare? callback yes. i also have unitedhealthcare. my insurance agent, which is unitedhealthcare, told me thatha they pay medicare, they pay the insurance company which is unitedhealthcare, $800 a month for every medicare recipient we have in the united states of america. and aid as a foreign owned company which is out of germany. i want to know what the truth was behind us. i was told that by my insurance agent. >> host: have you heard this?

>> guest: i'm not sure exactly what the second company is. served the government does pay essentially does pay companies quite a bit to cover medicare recipients if folks signed up for some of the medicare advantage for medicare part c. and d. the government does bear a big part of that cost. >> host: doug is in wisconsin and it get insurance through his employer. welcome to the conversation. >> caller: hello. l i'd like to know how this cadillac tax, how that's going to affect hra's. currently i have that benefit through my employer. but i've heard that next year it's going to be considered a cadillac tax and it will be eliminated. >> host: are you talking about health savings accounts? >> caller: right.

>> host: have you heard about that? >> guest: so the cadillac tax was supposed to go into effect in 2018. it's been delayed. the question is sort of how employers are going to prepare for it. there may be some employers who even though it's been delayed a few years are saying we have to prepare for this now and one thing that they can do is sort of, or one open question is sort of how these savings accounts are going to affect attacks. so this tax is designed come when the insurance costs above a certain amount, essentially you tax that and so it's encouraging employers to sort of reduce the cost of insurance they offer. a big question is so what if you have an insurance that cost a certain amount but then you also make a contradiction to one ofof these savings accounts? it's a pretty complicated issue, and i think over the next year something that insurers are going to be trying to figure out.

>> host: somers point new jersey. welcome. >> caller: i'm baffled because i can't have my medicare. i'm 72 but most developed countries of the world including mexico and canada have a significant health care programs for their seniors and for those who are qualified for that help. i just don't know why the united states traditionally goes in tul such turmoil in trying to provide the health care system for its citizens. i realized that health care is a business i understand it's expensive, but i just don't know what the taxes that we pay why we just can't have some kind of a national health care program that would provide for our citizens by canada or mexico. to countr countries you would tk about on significant resources. but they do, and most developed

countries do post a link here from patricia next in camden, new jersey. >> caller: good morning, c-span. my favorite show ever. i'm calling in. i doubt don't have coverage through the affordable care act. i have told my story so many the times. i'm a substitute teacher and then when it's time to sign people up for medicare and the affordable care act, i'm a licensed insurance agent. sometimes i take a commission and sometimes i don't. i just want to reiterate, i have been in hell for all my life and i remember being covered to one employer and then managed-care came along. my co-pay, deductible and culture in premiums started rising, and have continued to rise before the aca. they're asking -- depending on what state you're in, even if zip code, your co-pay andco

deductibles could be very high but it could be very reasonable. i have seen that like in louisiana, they were reasonable for people with the affordable care act, and then in missouri, not so much. so i just wanted to share that with the viewers out there listening post but okay, patricia. i'm going to give him one more call for you. fort worth, texas, go ahead. >> caller: good morning to you in fort worth, texas. >> caller: automatic. >> host: go ahead. >> caller: i was wondering, actually i had a job with insurance by then i was in a car wreck and lost my job, and so io had no job for six months.