it. she has seen everything that is hard to see about violence, poverty and discrimination. and she never gave up. she kept going when people tried she went in when people were trying to kill her. they disparaged her husband, mocked her children, and hit her income. she believed in democracy and the promise of america and the promise of human rights so profoundly that she risked everything she had to try to make us get there. i think that showed undaunting and fierce courage. >> that and civil rights. we had a wonderful call a minute ago of her going to georgia and sitting next to two african-americans and that kind

of setting and how backwards we were on race relations in america, '30s and '40s. her voice on a national level and started bursting through. she has the place of honor in the civil rights movement. she cared about equality. >> finally, on our website, c-span.org/first ladies, we have a companion book available for this series. alita black worked hard on that book. and it's available to you as well, at cost. we're not making any money off of it. if you like to see it, it profiles all the first ladies to michelle obama. alita black worked on that. we like to thank our partners in this series, the white house historical association for their work for us in getting everything together for the programs. next week, it's bess truman. going to leave you this week with a little bit of eleanor roosevelt from 1953 talking

about what it means in her view to be a liberal, we thank doug brinkley and alita black. >> thank you. >> this is a -- you have been -- become known as the leader of what is loosely called the liberal movement in this country or what used to be called the liberal movement. some people call them do-gooders and the rest of it? could you define a liberal for us? >> it's very hard to put in a few words what a liberal is. a person who kept an open mind, was willing to meet new questions with new solutions, and thought that you could move forward you didn't have to always look backwards and be afraid of moving forward. >> next week, first lady bess truman. unlike her predecessor, eleanor roosevelt, she did not hold press conferences, she refused

media requests, and she spent much of her time as first lady back home in independence, missouri.

when she was just 5 years old, she met her future husband, harry who was 6. she got married 30 years later. despite her reputation as a silent partner, president truman nicknamed her the boss. she helped to edit speeches when he was a senator and earned a salary in his office. a look at the life of bess truman on first ladies influence and image on c-span and c-span 3 as well as c-span radio. if you are edition of the book.

it is available for the discounted price of $12.95 for shipping. our website has more about first ladies, including a special section. life during the tenure of the first ladies. find out more. >> coming up, president obama on problems with the health care law website. then, a look at how the law is affecting insurance coverage. by the american association of the advancement of science on long term energy outlook. >> c-span student cam video competition asks what the most important issue congress should consider in 2014.

be sure to include c-span video. a grand prize of $5,000. this year, we have doubled the number of winners and total five -- prizes. visitore information? student cam.org. you -- thomasne donahue spoke about the government shutdown and 2014 elections in remarks at the christian science monitor. you can see the him -- the event in its entirety at c-span.org. here is a look. >> i do not know senator chris. we are all getting to watching. i think about him as a tenant -- tennis player. of motion have a lot to the left and right.

he has his right as a member of the senate to get out and push the things he supports and retract the things he does not support. we will try to work with them wherever we can. remember the issue. how youe results and will try to get it done. we will see how it goes. -- people aref assuming the business community would like him to sit down and shut up. >> that might be is one thing we could work on. [laughter] >> what sort of leverage do you have over him? >> i do not know. i have not spent a lot of time thinking about it. we are trying to look at this thing in a broader context, one person. there are a lot of democrats in the house worried -- in the senate, excuse me, that are

worried about the upcoming election. i think to come on in in the senate and be there a very short he still has a lot of and mynships to make view is he has not got the votes to do what he wants to do. after a while, he will start talking to people about how to get done what he wants to get done, instead of telling everybody how he will get it done. >> i never ask a negative question. i think it is insulting to the person you want to talk to and creates a bad impression about what you're doing. you are asking for someone's time because you need yourmation that will lead to a better understanding of your subject. sometimes, you get negative information we do not want and you have not even asked for it here and i know. i've are number calling a woman

-- she said, "i know why you're calling. you want me to repeat the nasty things nancy reagan was telling us the other day about barbara bush. [laughter] actually, all i wanted to find out was how much money the senate wives had raised for mrs. reagan's drug abuse fund. in that telephone call, i got more than i asked for and i used every single word. >> presidential history, political intrigue, and american culture. kitty kelley will sit down for your calls and comments live for three hours beginning at noon eastern sunday. in the months ahead, look for aher in-depth test, including feminist critic, on october 1. online, enjoying

.ther view -- readers see what others are saying and post your own comments. find out more. >> president obama said there is no sugar the fact that the health care website has had glitches in that fixes are being made. he spoke about the implementation from the rose garden monday. this is 25 minutes. >> ladies and gentlemen, the president of the united states, accompanied by ms. janice baker. >> everybody have a seat. thank you. >> hello. my name is janice baker. i had the privilege to say i am the first person in the state of delaware to enroll for health insurance through the new marketplace. [applause] [laughter] like many consumers out there,

it took a number of frustrating attempts before i could apply. i kept trying because i needed access to the new health care options. i apply to three private insurance companies only to be rejected due to pre-existing health conditions. i am too young for medicare, but i'm too old not to have some health issues. i found a policy i'm thrilled with, saving $150 a month and a much lower deductible but i held previously through my small business. i'm here to encourage other people like me who need access to quality affordable insurance and to tell them to have patience with such a new system. without this ability to get insurance, i know a single hospital say could have bankrupted me and my business. thank you all, and now i am honored to introduce the president of the united states. [applause]

>> thank you. thank you, everybody. thank you, janice. and thanks to everybody here for coming on this beautiful day. welcome to the white house. about three weeks ago, the federal government shutdown, and the affordable care act's helps marketplaces opened up across the country. we now have the government back open for the american people and i want to talk about how we will get the marketplaces running at full steam as well. i am talking with folks who either already benefited from the affordable care act or are helping their fellow citizens learn what this law means for them and how they can get covered. you probably heard healthcare.gov, the new website that helps consumers buy affordable health insurance, has not work as smoothly as it is opposed to work. the number of people who have visited the site has been overwhelming, which has aggravated underlying problems.

despite all that, thousands of people are signing up and saving money as we speak. many americans with pre-existing conditions, again, discovering they can finally get health insurance like everybody else. so, today, i want to speak to every american who is looking to get affordable health insurance. i want you to know what is available to you and why it may be a good deal for you. and for those who have had some problems with the website, i want to tell you what we are doing to make it work better and how you can sign up to get coverage and other ways. before i do that, let me remind everybody that the affordable care act is not just a website. it is much more. for the vast majority of americans, for 85% of americans who already had helped insurance through your employer or medicare or medicaid, you do not need to sign up for coverage

through website at all. you've already got coverage. what the affordable care act does for you is to provide you with new benefits and protections that have been in place for some time. you may not know it, but you are already benefiting from these provisions in the law. for example, because of the affordable care act, young people like jasmine jennings and ezra have been able to stay on their parents' plans until they are 26. millions of young people are currently benefiting from that

part of the law. [applause]

another part of the affordable care act is providing seniors with deeper discounts on their prescription medicine. billions of dollars have been saved by seniors already. that is part of the law. it is already in place. it is happening right now. already because of the affordable care act, preventative care like mammograms and birth control are free through your employer. that is part of the law. [applause] there are a wide range of consumer rejections and benefits that you already have if you've got health insurance -- consumer

rejections and benefits that you already have if you've got health insurance. they are not dependent on the website. here's another thing the affordable care act does. in states where governors and legislatures have wisely allowed it, the affordable care act provides the opportunity for many americans to get coverage under medicaid for the first time. in oregon, for example, that has helped cut the number of uninsured people by 10% just in the last three weeks. think about that. that is 56,000 more americans who now have health care. [applause] that does not depend on the website. now, if you are one of the 15% of americans who do not have health insurance, either because you can't afford it or because your employer does not offer it or because you are a small businessperson, you have to go on the individual market and buy it on your own and it is too expensive -- october 1 was an important dates. that is when we opened the new marketplaces where people without health insurance or who can't afford health insurance or who are part of a group plan can finally start getting affordable coverage. the idea is simple.

by enrolling in what we are calling these marketplaces, you become part of a big group plan. as if you were working for a big employer. a statewide group plan that spreads risks between sick people and healthy people, the between young and old, and then bargains on your behalf for the best deal on health care. what we have done is essentially create a competition where there was not competition before. we created these big group plans and now insurers are really interested in getting your

business. insurers have created new health care plans with more choices to be made available through these marketplaces. as a result, of this choice and this competition, prices have come down. when you add the new tax credits, that many people are eligible for through the law, the prices come down even further. one said he shows that three new options created by the affordable care act, nearly six in 10 uninsured americans will find they can get covered for less than $100 a month.

think about that. [applause] through the marketplaces, you can get health insurance for what may be the equivalent of your cell phone bill. or your cable bill. and that is a good deal. so, the fact is the product of the affordable care act for people without health insurance is quality health insurance that is affordable. and that product is working. it's really good. and it turns out there's a massive demand for it. so far, the national website, healthcare.gov, has been visited nearly 20 million times. 20 million. [applause] there are a bunch of states running their own marketplaces. we know that nearly one third of the people applying in connecticut and maryland, for example, are under 35 years old. they understand they can get a good deal at low cost, have the security of health care, and this is not just for old folks like me. it is for everybody. quality health insurance. all told, more than half a

million consumers across the country have successfully submitted applications through federal and state marketplaces and many of those applications aren't just for individuals. they are for entire families. so, even more people are looking to take advantage of the high quality affordable insurance provided through the affordable care act. so, let me just recap here. the product is good. the health insurance being provided is good. it is high-quality and it is affordable. people can save money. significant money -- by getting insurance provided through these marketplaces. and we know the demand is there. people are rushing to see what is available. and those who have already had a chance to run role are thrilled with the result. every day, people who were stuck with sky high premiums because of pre-existing conditions are getting affordable health insurance for the first time or finding they are saving a lot of money. every day, women are finally buying coverage that does not charge them higher premiums than

men for the same care. [applause] every day, people are discovering that new health insurance plans have to cover maternity care, mental health care, preventative care. you just heard janice's story. she owns her own small business. she recently became the first woman to enroll in delaware's exchange. it is true. it took her a few tries. but it was worth it after being turned down for insurance three times due to minor pre-existing conditions. now she is covered. she will save 150 bucks a month and she will not have to worry that one illness or accident will cost her her business she has worked so hard to build. janice is not alone. i recently received a letter from a woman named jessica sampson in washington state.

here is what she wrote "i am a single mom. no child support. self-employed. and i haven't had insurance for 15 years because it is too expensive. my son has adhd and requires regular doctors visits and his meds alone cost $250 per month. i have had an ongoing tendinitis problem due to my line of work, but i haven't had treatment. now finally, we get to have coverage because of the aca for $109 a month. i was crying the other day when i signed up. so much stress lifted." now, that is not atypical for folks like jessica. that is what the affordable care act is all about. the essence of the law is working just fine. in some cases, actually, it is

exceeding expectations. the prices are lower than we expected. the choice is greater than we expected. but the problem is been that the website that is supposed to make it easy to apply for and purchase the insurance is not working the way it should for everybody. there is no sugarcoating it. he website has been too slow. people have been getting stuck during the application process. i think it is fair to say no one is more frustrated by that than i am. because the project is good, i want the cash registers to work, the checkout line to be smooth, so i want people to be able to get this great product. there is no excuse for the problem. and these problems are getting

fixed. but while we are working out the kinks in the system, i want everyone to understand the nature of the problem. first of all, even with all the problems with healthcare.gov, the website is still working for a lot of people. it is not as efficient or consistent as we want. although many of these folks have found they had to wait longer than they wanted, once they complete the process, they are very happy with the deal available to them. just like janice. second, i want everybody to remember we are only three weeks into a six-month open enrollment period when you can buy theset . that is the earliest the insurance can kick in. no one who decides to purchase a plan has to pay the first premium until december 15. unlike thanksgiving day sales for the latest playstation or flatscreen tv, the plans do not sell out. they will be available through

the market waste throughout the open enrollment period. the prices will not change. everyone who wants insurance through the marketplace will get insurance, period. everybody who wants insurance or the marketplace will get insurance. third, we are doing everything we can possibly do to get the websites working better, faster, sooner. we got people working overtime, 24/7 to boost capacity and address the problems. experts from some of america's top right at sector -- private sector tech companies, who by the way have seen and liked this happened before. we have some of the best i.t. talent in the country turning the team. we are confident we will get all the problems fixed.

number four, while the website will ultimately be the easiest way to buy insurance through the marketplace, it is not the only way. i want to emphasize that. even as we redouble our efforts to get the website working as well as it is opposed to, you can still buy the same quality insurance plans available on the marketplace the old-fashioned way. offline. either over the phone or in- person. by the way, there are a lot of people who want to take advantage of this you are more comfortable working on the phone anyway or in person. so, let me go through the specifics as to how you can do that if you are having problems with the website or you just prefer dealing with a person. yesterday we updated the website with options to enroll. you will find information about how to talk to a specialist who can help you apply over the phone or to receive a downloadable application you can fill out yourself and mail it in. we have also added more staff to the call centers where you can apply for insurance over the phone. those have already -- they have been working, but a lot of people have decided to go to the website. keep in mind these call centers are already up and running.

you can get your questions answered by real people 24 hours a day in 150 different languages. the phone number for these call centers is 1-800-318-2596. 1-800-318-2596. wait times have averaged less than one minute for the call centers. although the wait time may go up now that i've read out the number on national television. [laughter] you can talk to someone and they can walk you through the application process.

and i guarantee you, if one thing is worth the wait, it is the safety of the security of the health care you can afford or the money you can save by buying health insurance through the marketplaces. [applause] once you get on the phone with a trained representative, it takes about 30 minutes for an individual, 45 minutes for a family. you will be contacted by e-mail or postal mail about your coverage status, but you don't have to go through the phone. you can also apply in person with the help of local navigators. these are people specially trained to help you sign up for health care, and they exist all across the country. or you can go to community health centers and hospitals. just visit localhealth.healthcare.gov to find out where in your area you can apply for health insurance in person. finally, if you have gone to the website and then stopped somewhere along the way, do not worry. in the coming weeks, we will contact you directly him up or slowing, with a concrete recommendation -- we will contact you directly, personally, with a concrete recommendation on a plan that meets your needs and get you covered once and for all. here is the bottom line.

the product, the health insurance, is good. the prices are good. it is a good deal. people do not just want it. they are showing up to buy it.

nobody is matter then me about the fact that the website is not working as well as it should, which means it is going to get fixed. [laughter] [applause] and in the meantime, you can bypass the website and apply by phone or in person. so don't let problems with the website the tour you from signing up or signing your family up -- deter you from signing up for signing your family up, showing your friends how to sign up. it is worth it. if you have a pre-existing condition, it will save you money and give you the security your family needs. in fact, even with the website issues, we have actually made the overall process of buying insurance through the marketplace a lot smoother and easier than the old way of buying insurance on your own. part of the challenge here is a lot of people may not remember what it is like to buy insurance the old way. there are no absurd forms. there is no medical history questionnaire that goes on for pages and pages. there is no more getting denied because you had a pre-existing condition. instead of contacting a bunch of different insurers one at a time, which is what janice and what a lot of people shopping on the individual marketplace had to do, there is one single place you can go and shop, compare plans, that has to compete for your business. there is one single phone number

to call for help. and once the kinks in the website have been ironed out, it will be even smoother and easier. in the meantime, we will help you sign up. because consumers want to buy this product and insurance companies want to sell it to you. let me close by addressing some of the politics that have swirled around the affordable care act. i recognize the republican party has made blocking the affordable care act its signature policy idea. it seems to be the one thing that unifies the party these days. in fact, they were willing to shut down the government and potentially harm the global economy to try to get it repealed. and i'm sure that given the problems with the website so far, they are going to be looking to go after it even harder. let's admit it, with the website not working as well as it needs

to, that makes a lot of supporters nervous, because they know how it has been subject to so much attack, the affordable care act generally. but i just want to remind everybody. we did not wage this contentious battle around the website. that is not what this was about. [applause] we wage this battle to make sure that millions of americans in the wealthiest nation on earth finally have the same chance to get the same security from affordable, quality health care as everybody else. that is what this is about. and the affordable care act has done that. people can now get -- with insurance -- people with pre- existing conditions can now afford insurance. the launch of this website proves that people do not just need that security. they want that security. they want it.

[applause] in the meantime, i have said many times, i am prepared to work with anyone on any idea that makes this law even better. but it is time for folks to stop rooting for its failure, because hard-working middle-class families are rooting for its success. [applause] if the product is good, they are willing to be patient. i got a letter last week from a self-employed man named john mayer in pennsylvania. he used the new marketplace to get himself and his wife coverage to save a lot of money. here is what he said. this pretty much sums up my message here. "yes, the website really stinks for the first week. but instead of paying $1600 per

month for a group insurance plan, we've a plan that will only cost us 692 dollars a month, a savings of $900 per month." [applause] john said that when he saw what they would be paying he turned to his wife and told her "we might just pull through." we can afford this. john eventually predicted the website will work like a champ. john -- he was frustrated by the website. but he feels a little less frustrated when he found out he was saving 900 bucks a month on his health insurance. and john is right. the website is going to get fixed. and the law works. that is why we fought so hard to pass this law, to save folks like john money. to give people who do not have health insurance a chance to get it for the first time. to lift from the american people the crushing burden of unaffordable health care. to free families from the

pervasive fear that one health crisis -- i got you. no, you're ok. this happens when i talk too long. [laughter] [applause] good catch, by the way. whoever was here. [laughter]

that has always been my goal, to free families from the pervasive fear that one illness or one injury might rob you of everything you have worked all your life to build. health care is not for a fortunate few. it is a right for all to enjoy. [applause] that is what the affordable care act is all about. that is its promise. and i intend to deliver on that promise. thank you very much, everybody. god bless you.

[captions copyright national cable satellite corp. 2013] [captioning performed by national captioning institute]

>> on the next "washington lston.l," william ga then, a former commerce grip -- former congressman, the head of the gop main street partnership. and a look at the gerrymandering of congressional districts.

at 7:00c-span every day a.m. eastern. the prime minister of pakistan is in washington this week and will meet with president obama on wednesday. tomorrow, you can hear his remarks on relations between his country and the u.s. when he speaks at the u.s. institute of peace. live at 11:00 a.m. eastern on c- span two. ask a negative question. i think it is insulting to the person you want to cocktail and creates a bad impression about what you are doing. you are asking for someone passes time -- someone posses time.- someone's sometimes you get negative information when you do not want it. and you have not even asked for it.

herlled a woman to ask about a senate wide lunch in honor of the first lady. she said to me, i know why you're calling. repeat the nasty things nasty reagan was telling us yesterday about barbara bush. in that telephone call, i got more than i asked for and i used every single word. >> presidential history, political intrigue, and american culture. kelley live for three hours to answer your questions. in month ahead, look for other including asts, feminism critic and a radio talkshow host. , join othernline

viewers reading. see what others are saying and poster own comments. find out more on our website. >> a look at the effect of the health care law on insurance coverage provided through the exchanges. jenny gold was a guest on "washington journal" for a half- hour. host: we have been taking a look at the implementation of the affordable care act with reporters from kaiser health news. we are joined by jenny gold. we have been talking this morning about the president's speech from the rose garden. bring us up to speed on what we are expected to hear. guest: so far, the rollout of

the government health care exchanges has not been smooth. the president has already said he is not happy with the way it is going. there have been a lot of technical glitches. the president is going to talk about that. people will talk about something they are calling the tech surge, people from inside and outside government to try to fix some of the technical problems and get people enrolled. some folks say they have been able to enroll in the exchanges. we will talk about the potential successes of the affordable care

act as well. host: you think he will say, i am sorry? guest: he sort of already has. he owns this thing. the fact that the rollout has not been going smoothly is not good for him, and i think he knows that. host: we were talking about the speech today. whose responsibility is it for these glitches, or whatever you are going to call them, what is going on with healthcare.gov. how much is the federal government, and how much is the contractors employed by the admiral government? guest: the federal government needs to be careful about who they award the contracts. they have been coordinating all of those different pieces of the health care website. it is not working, it definitely falls, at least in large part, on hhs, and their efforts to get the structural, technical things going. to be fair, just because the websites are not working right now does not mean the premise of the affordable care act is flawed. this is the first year of open enrollment. there are six months people have to do it in. we do not know exactly what it is going to look like at the end of the six-months. host: the white house has been counting 19 million visitors. for those folks who might have trouble getting in, talk about what they are actually going to find. what is the insurance policies

that they find on those exchanges? what will they include? guest: what you find is going to differ completely based on your states. in some areas, you might see policies offered by only one insurer. in others, you might have a range. people know they are going to get these essential health benefits, which are required to be provided in all of the plants. inpatient care, outpatient care, maternity care, mental health and substance abuse, preventative care. all of these things, they know will be provided. the rule also be a range of options from cheaper plans, called the bronze plans, through silver, gold, and all the way through platinum. if you pay more, you will have less cost-sharing. a cheaper plan, you may end up paying more out of pocket if you have a lot of health care expenses in the coming year. host: we will be talking for the next 35, 40 minutes or so about what is actually in those insurance plans. we want to hear from you this morning. we are splitting our lines a little bit differently. those who are insured and have questions can call in on one line. if you are uninsured, call in on the other line. i want to answer your questions about how those exchanges actually work. i also want to hear your stories if you have tried to get on to healthcare.gov, if you have been successful or not. we want to hear your stories. we showed this map earlier on federally run exchanges and state-run exchanges, and the blue are federally run

exchanges. the yellowish are state run exchanges. green is a federal and state run joint exchange. there are essential items in every plan. does that apply to state and federal plans, or only federal plans? guest that is all plans. you are going to be getting essentially the same thing. it is all about the marketing, what the website looks like, and how much money the state or federal government has to implement it. host: how did states choose whether they were going to go to a federally run plan or do their own? guest: i think congress and the president expected every state to run their own exchange. that was the way the law was written. in the end, only 14 or 16 states decided to run their own exchange. others are doing a partnership or defaulting to the federal

government. the states that are running their own exchanges, for the most part, have had fewer technical glitches. people are enrolling in california and washington. it is the federal sites that have been having the level of technical problems that have so frustrated consumers so far. host: what do we know about state enrollment numbers? are there certain states doing better than others? guest: absolutely. washington state are doing quite well. host: the white house released statistics that 19 million folks have visited healthcare.gov. we do not know actual enrollment numbers on federal exchanges. guest: the government has said they will not release enrollment numbers until november.

that is a bit of a problem. i think they are trying to hedge what has been a lack of enrollment so far. it is not because people are not trying. i have had a lot of unique visitors to the site. they said over the weekend they have had 476,000 applications filed. before we get excited, that does not mean those people have enrolled in coverage. it just means they have gone through the early part of the process, where they have said their income and their social security number. it does not mean they are enrolled in coverage. host: if you have questions about what you are going to find in insurance plans, and stories about going on to healthcare.gov, we are taking your calls and comments this morning, with jennie gold of kaiser health news.

travis is up first from south carolina, on our line for folks who are uninsured. good morning. caller: they are acting like it is a success because so many people have tried to apply for this insurance on the web. we are being forced. we had to pay a fine or do it. we are going to have to get on it. so it is going to look like a success even if it is not a success. we say we live in a democratic society. but this is putting a gun to your head. i am self-employed. i made $17,000 last year.

i feel like the system is broke. on top of that, everybody is thinking of refunds. somebody has got to pay for this insurance. host: the color brings up the penalties that one could be hit with if one does not sign up for insurance. guest: in the first year, the penalties are quite low. it is $95 for an individual. in later years, it goes up to about 2.5% of your income. the man who called said he makes $17,000 a year. he is going to qualify for a large subsidy to buy coverage. he may find that his plan and that being quite cheap for him. host: let us go to bob from falls church, virginia. the line for folks who are uninsured. good morning. caller: i am the father of two

children, 29 or 27. i have been doing a background look at it. studying it. what we have not done anything yet to get started. it seems like there is plenty of time yet. it seems like a great eel. it is time for people to step up and be responsible. i cannot imagine my children walking around without health insurance. it is just ridiculous. the studies, the information i have looked at, it seems like with their income levels, a dancer and a musician, that they will get a better deal. what they are pushed into with their situation -- i had employer-provided insurance, and i got income subsidies from the government, as it was not included in my income. my employer contribution. that is really all i have to

say. host: jenny gold, the caller says finding insurance for his children, specific groups and what is offered on the exchange. what can young adults find on the exchanges? guest: these kids sound a little too old to stay on the parent's plan. you can only stay on until 26. if they make under four times the federal poverty level -- $46,000, in all likelihood, they will get a subsidy. if they are very low income and have lived in the state that chose to expand medicaid, they will get more. could be eligible for free coverage. young people are going to end up paying less than older people. there is something called age rating. older people will pay less than they have any past compared to young people but young people will still end up paying less. they may pay more than what they are paying currently for the catastrophic plan, because that

tends to be pretty little. but they should be able to get coverage that is much more robust. while they may pay more, they can rest assured that they will be covered for things like emergency visits for preventative care and other things they would likely need. host: antioch, illinois on the line for those who are insured. good morning. caller: thank you to c-span for this opportunity. my question real quick is we have a $500 deductible on our present insurance. what we are paying is pretty high for that quality of insurance. with this plan give us the opportunity to have savings? it is pretty high to get quality insurance. guest: it sounds like you have a fairly low deductible plan and are paying a high premium. you will be able to select what plan you want to buy. if you want to stick with that, the lower deductible and higher premium, you can go with one of

the gold or platinum plans. if you think that you will not have a lot of health expenses in the coming year, you might want to look at the bronze or silver plans. you will have a slew of options, probably. you will have to look at which one that is going to work for you. if you have a doctor or hospital you like to visit, make sure the plan you select has those providers in the network. host: does that answer your question question mark caller: yes, it does. thank you. host: we are speaking with jenny gold from the kaiser health foundation. kaiser health have been helping us during the implementation of the affordable care act. they are here to take your questions about the act and answer any questions you have about the implementation. gabriel up next from kennesaw,

georgia on our life are uninsured. gabriel, good morning. caller: good morning. i have a couple questions to ask ms. gold. i am very interested in the obamacare health-care law. it is going to lower the number of uninsured in the entire u.s. my first question is since the law was signed in spring of 2010, there has been a decline in the total number of uninsured. i was wondering how much of that decline can be attributed to the obamacare health-care law? my second question is, there is a lot of talk on obamacare's effect on the upcoming 2014 midterms. coincidentally, 2014 will be the year when we are scheduled to have some of the biggest reductions in the total number of uninsured. are we going to have any kind of reports coming out before the election either from the government or from private sector about how many of the

uninsured has actually gone down in the year 2014? and i will hang up and see what i can hear. host: jenny gold. guest: we have seen 3 million young people stay on their parents' plans. that is the only part that has really kicked in. new insurance coverage does not even start under the health care exchanges and the medicaid expansion until january. we do not know how many people are going to enroll and what the uninsured numbers are going to look like.

the obama administration hopes that 7 million people will enroll in the first year. you might see a decline in the number of uninsured from them. we should know more down the line. in november, the government says they are going to put out numbers for how many people have been able to enroll on the exchange. that is when we will start to see what impact there will be on the number of i short. in the 2014 election, hopefully we will have those numbers. democrats are going to have to own this. if it is not working, they may suffer the consequences. they voted for it, so this is their legislation in addition to the president's. host: you said november we will start seeing numbers. will that be a monthly reports that will be watched going into the 2014 election? sort of like the jobs numbers leading into the 2012 election? guest: it could be. i'm sure there will be a lot of scrutiny. it is likely the november numbers are not going to be particularly high. with as many problems we have seen, consumers actually enrolling -- it is hard to

believe that many people have successfully gone through the process on the federal exchanges. you are seeing more success on the statewide exchanges. i have a colleague who had to try 63 times to set up an account on healthcare.gov. that gives you a sense of how difficult it has been. host: some concern in our first segment today about who has access into controls the information the would-be consumers put into healthcare.gov. how successful can these exchanges be if they do not even have enough expertise to get them to run right? is id theft the worry? guest: there could be some anonymous hack or something like that. who knows?

the government has promised to that people's information will be secure, but when you have one million hackers out there, who really knows hypothetically? host: who has access to the information that folks put in? there was some concern the irs would have access to this. guest: the irs is part of verifying your income. they do not have access to your health care information. that did not turn out to be the case. host: kerry from oregon on our line for the insured. caller: good morning. i am in the state of oregon. i am already insured through my employer, but i was able to logon through the state website. so, i am not tying my employer to my health insurance. it gives me more options as far as my job search goes. i would like to mention -- if we take the politics out of this, because politically it is very difficult to ask the american

people to contribute what they can for the overall health of their country. and politics is hurting us. i ask republicans to stick with their individual responsibility mandate or beliefs -- i have to go. host: terry had to go from myrtle creek, oregon. he was talking about looking around on the exchanges to see if something might be better. are the exchanges offering something different than what employers can offer?