fbi in its great people. thank you also to my friends and gathered here today. my entire life is literally this crowd and it is a pretty picture. these are the people that i have loved literally my entire life. nd from whom i have learned so much. i'm especially grateful that my brothers, sister, my could be here today. i wish so much that mom could be this amazing day. ringing in my r tired teenage years her voice as shades ped open the every single morning and said, rise and shine and show the you're made of. i found it less inspiring at the time. but it made us who we are. and i'll never forget that. and to my five troops and my

bride, who talked me into being interviewed for this with the caveat she'd be okay because the iesident would never pick me, got to tell you, this is your last chance to talk to him about it. mr. president, i am so grateful for this honor and this opportunity to serve with the women of the fbi. hey are standing all around this great courtyard and standing on duty all around this atntry and around this world this moment. i know already that this is the job that i will ever have and will ever have. hat's because i have a front row seat to watch the work of a remarkable group of people who serve this country. folks from all walks of life who for the same reason. teachers, soldiers, police officers, scholars, software engineers. people from all walks of life

good for a o do living. i thought about them as i stood in this courtyard a week ago and foreign leaderng the statute that overlooks the ceremony. heartist depiction of the words from our shield that the president mentioned. fidelity, bravery, and integrity. and as i thought about that and those words in this ceremony, i thought i would take tell you what the words mean and why they belong on our shield. fidelity. the dictionary defines fidelity a strict and faithfulness to an obligation, trust, or duty. mind, that word on our shield reminds us that the fbi as atbide two obligations the same time. be t the fbi must independent of all political forces and interests in this

country. a real sense, it must stand institutions ther in american life. second at the same time, it must the united states department of justice and constrained by the rule of law balances ecks and built into our brilliant design by our nation's founders. a tension relate flekted in those two aspects of fidelity. two values that i see in that word. and that was detect in the ten-year term i've just begun. ten years to ensure independence and it's a fixed years to ensure the power is not concentrated in one person and unconstrained. the need for reflection and restraint of power is what led order all new agent classes visit the olocaust museum here in washington so they could see and way and hear in a palpable

the consequences of abusive massive almost unimaginable scale. ob mueller continue that practice and i will again when we have agents graduating from quantico. the balance reflected in my term is also a product of lessons history ofd from the this great institution. our first half century or so is time of great progress and achievement in this country and bureau. but it saw abuse and overreach. most famously with respect to martin luther king and others. as i think about the unique balance represented by fidelity the one hand and the rule of law on the other, i to k it makes sense to me operate and trading in reminder. the analysts also visit the

martin luther king jr. memorial washington. i think that will serve as a different kind of lesson. the bureau sonal to of the dangers to becoming oversight and accountability. that belongs on our shield. being brave means not being afraid. that's wrong. ravery is, quote, existence to fear, mastery of fear, not absence to fear. have you ever talked to a you noel and that ask he or she about a dangerous involved in,y were that would almost always give you the same answer. yeah, i did it. to death the whole time. but that's the essence of bravery. only a crazy person would a late night in stop or pounding up a set of tairs or fast roping from a

helicopter down to hostile fire. real people ike fear that fear in the pit of their stomachs. know the difference between them and most folks? they do it anyway. volunteer to do that building. they're exactly what in for. they spent weeks and weeks in an and my learning how hard dangerous this work is. then they raised their right ands and take an oath and do that work anyway. they have seen the wall of honor my friends so much and guests and family will get to see inside this building with and links to the lives of those who gave the last full their of devotion for country as fbi employees. or general william tecumseh sherman said this -- i be d define true courage to a perfect sensibility of the mental of danger and the

willingness to endure it. a few d a special agent weeks ago after he had been shot in an arrest. knew before i called him that he had already been injured severely twice in his bureau responding and once in a helicopter crash. the when i got him on phone, i got the strong sense he couldn't wait to get me off of the phone. embarrassed by my call. mr. director -- it was a through-and-through wound. no big deal. he was more worried about his ureau car which he had left at the scene of the shooting. he felt okay, though, because agent e also a special was going to go get the car. so everything was fine. the men and women of this organization understand they're in e danger every day and choose to endure it because they believe in this mission. belongs on bravery our shield. and finally, integrity.

integrity is derived from the latin word "integer" meaning integrity person with is complete, undivided. sincerity, decency, trustworthy, or synonyms of integrity. it's on our shield because of the quality that makes possible all of the good that we do. everything we do requires that we be believed whether that's promising a will protect her, telling a jury what we saw or a rd, or telling congressional overnight committee or the american people what we are doing with our power and our authorities. we must be believed. integrity, all is lost. we cannot do the good that all the amazing people signed up to do. he fbi's reputation for intelrity is a gift, given to every new employee by those who went before. is a gift that must be protected and earned every single day.

we protect that gift by making them, by nd admitting making promises and keeping them. that nothing, g no case, no source, no fear of is worth ent jeopardizing the gift of integrity. integrity must be on the fbi shield. see the three words, fidelity, bravery, and integrity fbi re the essence of the in those people. and they also explain why i'm here. i wanted to be here to work alongside those people to to help them , accomplish their mission. colleague. be their it is an hour nowhere and a challenge beyond description. will do my absolute best to be worthy of it. thank you very much.

>> thank you, director. now, please welcome back, jimmy wheeler. clouds gather far across the sea ♪ let us swear allegiance that's free ♪ grateful ll be to a land so fair ♪ as we raise our voices

a solemn prayer ♪ god bless america that i love ♪ beside her and guide her ♪ through the night with the ♪ght from above ♪ from the mountains prairies ♪ ♪ to the ocean white with foam ♪ bless america home sweet home ♪ ♪ god bless america sweet home ♪

>> thank you once again, mr. wheeler. i wanted to thank all of our director comby's fbi y, and particularly my brethren for honoring this special day for director comby his family. thank you, everyone. we would ask that you please while the ed president and director comby and building, exits the thank you very much. >> the head of the centers for and medicaid services will testify tomorrow morning

house ways and means committee about implementing the health care law and the website health care.gov. we'll have that live at 10:00 a.m. eastern on c-span 3. c-span 3 at 1:30 p.m. eastern, the house intelligence examine nsa l surveillance programs. the witnesses are scheduled to director of national intelligence, james clapper, and the al keith alexander, director of the national security agency and the head of u.s. cybercommand. next an update on the affordableion of the care act and the status of the website for signing up for health insurance. washington journal, this is 40 minutes.

>> joining us for a discussion, serving as a rie senior correspondent. welcome. >> thank you. >> what's the latest we know the condition of the website. >> the subcontractor is part of verizon had an outage last night. morning.till down this i checked before i arrived. that's a woe in the long saga dogged health care.gov. there was a congressional earing in the house where key contractors came in, talked about how they recommended more earlier. was not done. how the last minute the federal the ials turned off browsing function to require people make accounts. that created a backlog. hearings.ore a lot of attention and focus on the website. allowed to useot the website -- from the time they saw, they were not able to use the website at all? >> you get the home page. i clicked -- i have been able to

set up an account. a try. give that and the message that the site was down. there.ebsite a smiling girl on the website a story about that missing as well. >> she's gone and basically they replaced it with more what to do if ut you can't get on the website. number. call the 1-800 fill out an application, fill it in, submit it. stories ofe, there's how people in the 1-800 number ould have a problem putting on the website to get the investigation. clear to make it consumers that they apply and working hard to make it function for most users. change leadership about who's taking control. what's his role? little bit about what goes on as far haze role and the web sniet. be the brought in to troubleshooter. he'll well known to the white

house. of a twice acting director the office of management budget. the first chief performance white house.e he was brought in to fix cash for clunkers. offered people were financial incentives to buy a more energy efficient car. brought in to fix that. so he is the head guy and they ofe also elevated the status a contractor that was part of the program to bring them into will now be the chief contractor if you will to do that. quality software services and also known as qssi. thehile they were a part of project, one could say, wait a minute, they're part of the faulty rollout, why would you elevate them. the thought is to bring in a new contractor at this point would be hard to do. time to get ot of up to speed and let's go with this company and they also are for the federal data hub which is one of the pieces of health care.gov that's been working. they've been elevated in their status. >> what did you learn about having the contractors testify

bout what they did to the website? >> there is a lot of blame to go around. a blame d -- it became game. the contractors were blaming each other. they were blaming officials at centers for medicare and medicare services. the members were trying to get information about what happened when. and i can't tell you the clear signs that were drawn. window to what was ongoing. marilyn this week, tavener is going to run to the house ways and means committee tomorrow. kathleen sebelius is going to be in front of energy and commerce on wednesday. i think that this picture, this story continues to unfold. mind, hold onat in to that for a second. invite you to the conversation mary agnes carrie. comment about the affordable ask questions, ask questions about the website. if you find yourself amongst the insured, 202-535-3880.

uninsured, yourself 202-585-3881. find a line that best represents you. tweet us. we'll make the calls in a moment. starting with secretary sebelius. what do we expect to hear this week? > the same committee had the contractors in. so i think you can expect a lot of follow-ups. when did you become ware of problems. what specific steps did you take? house's the white involvement? why did you turn off the browsing feature at the beginning. it's there now. go to the site and look creating an without account. the thought was you could give them more information up front, the subsidy,fy for do they qualify for the medicaid expansion. sticker d reduce the shock that you will see on the browsing feature although on the browsing feature there's all kinds of things explaining you might qualify as subsidy. >> how she might respond or the line of response that she might

give. far she and other federal officials have been open that they should have tested more and earlier. secretary made remarks to that effect. other officials have done that. and so they will acknowledge they've done wrong and they're talking about what they're trying to do now as they fixes that need to be made and trying to do them. they have a heightened sense of this has to be done, obviously. you want coverage to start 1, you need to be enrolled by january 15. they can in fact work the site anticipating that would make the deadline. people are getting nervous about the timeline. democrats in particular who out voted for ks the bill and seeing problems happening with the law are concerned as well. >> calling for a delay, other people as well. hat's got to factor to the discussions going forward. >> gene sheehan, the democrat of new hampshire talked about they need to increase the time for the enrollment period that will

31.on march a longer enrollment period. is talking about introducing a bill to delay the year.te and penalty for a if you have ten democrats, shaheen and joe mansion on the mandate delay. we've seen that vote in the house. as fred upton said on news we might see it again. this is not where the administration wanted to be with the conversation at this point. who expects that that ovember deadline is going to actually be met? >> there's a healthy amount of skepticism. remember, i and other reporters sat through the hearings where many of the officials sailed we're going be to go on october 1 and lots of things have happened. was it too because of increased demand? that will be one of the things federal officials will talk about we didn't anticipate. on the o many people site. others will say to them you should have anticipated that. calls, dana, venice,

florida. insured. good morning. >> good morning. >> the reason i'm calling is i'd ike to see some consideration by the administration looking thousands of embedded operatives that pted to become gs federal employees at the time that bush administration ended. i haven't heard anything over the last six or seven years. identify was made to the potential individuals the executive branch the may in fact impede operations of the purpose -- of -- for the purpose of political ends and not for the country. >> caller, how did you come o -- why do you bring up this

information and why is it important to you? ago, i , many years learned from -- it may have been accurately n't say here at the time, but i learned of bush of thousands eople that were put into various executive branches to that the -- the bush es of the administrations were being followed by the employees in the executive branch. >> thanks, caller. that at all.heard you piqued my interest and i will keep my ears open for that. bloomfield, ichael new jersey, he's uninsured. hello? michael, good morning. >> good morning. >> go ahead, please. opinion is about the

everything on and generally ---- >> go on to gary. cleveland, ohio. insured. hello, gary. >> good morning. >> my understanding is that companies urance involved in writing the obama and if that is true, wouldn't they lean towards he policy that would be more advantageous for them? >> the insurance companies like of the healthtors care world did give the input to capitol hill for sure. and every sector, whether it's an insurance company or a hospital or another medicare care er or a health provider as well want this law to work out well for them. ut there's no doubt they lobbied to get permissions they liked or dislike. but the thing to remember is all of that takes information and creates the law

fit.hey see again, i don't want to say that industries don't influence it. insurers like some things in this law. they don't like other things. hey geelt a lot of new customers. millions of new customers as part of the creation of the care act. they don't like the fees and taxes on the industry. customers.he new they are lobbying to stop some of the feed but there's a mixed of the companies in health care. >> the los angeles times put out story taking a look at the cases in insurance and some cases in headlines. they're going get pricier as the out.rolls how -- if people are taking in the health insurance companies are health hem in, insurance companies changing how the policies for members because affordable care act. >> let's talk about something hat's happening to hundreds of thousands of people in small groups and individual markets. they currently have policies hat might no offer the same comprehensiveness of coverage that the affordable care act

has. essential health care.its, majority they're getting notices from the insurers that they will not meet the standard starting january 1. this is the story too. my colleagues broke. it's gotten a lot of attention the press this week. what's happening is insurers are reaching out to those policy coveragend saying this is no longer adequate. you can enroll in a different policy. subsidy.ualify for a you may pay more for your coverage. less.ay pay but this is something that's a lot of attention and focus and ike the policy they had and wanted to hold on to it. >> jane, up next. she's uninsured. hello? >> good morning. >> good morning. sorry.ler: i -- i'm i didn't apply for -- i haven't i lied for the aca because don't need it. but my son did and he didn't it. a problem with nd also i don't understand why

it's such a problem for people say that -- say that the aca crashing or whatever. federal you apply for a substance or medicaid, food stamps, or medicare. it. have to wait for i mean, that's nothing new. anybody that apply for those know that it's a long period of time in waiting or whatever. understand what it's such a big deal. >> well, first of all, son.ratulations to your some consumers have not had that experience. that he got through to apply. i understand what you're saying americans getting other sorts of programs there's a period of time that you need to wait and so on. why i think r here this is an issue now is the key element to get the affordable and to up and running spread the risk is to get a lot of young healthy people into the

system. currently you desperately need health care coverage, it's very important to you, you're focussed on it, going to hang in there on health care.gov until you get and get it locked down. for others including for who's on the s, fence of do i need this, do i not? is it cheaper to pay the penalty, do i enroll? some of those folks may get persevere and not sign up for coverage. >> "new york times" reflective of that thought. they call them young invincibles as insurers called the signup insurance is an uphill climb. one in four 19 to 29-year-olds even aware of the exchange where they might buy affordable insurance. the thing to remember is we're in the beginning of a enrollment period. you won't enroll. that's part of the announcement that the administration made last week. here in washington, the health care reporter posse is very,

very focussed on this. important to note the problems. you have a six month enrollment period. we going to be in the middle of february, january, or the middle of march. i can't answer that but it is a six-month enrollment period. get that out by the end of november, then they are going to have more ifficulties, especially for those folks who want coverage starting january 1. >> the file clerk off of twitter adds these thoughts. how can it crash, google, hits , youtube get more per hour than the aca site did all day. > it's part of the reinvision rated effort to fix these problems. a tech surge where the administration says they're of experts ots bringing them onboard. they're not telling reporters where they are. to the people to help them fix the federal website. line, hello. ured >> hi, how are you doing? >> fine, thank you. > i just think this is so funny. what do people do before you had a computer?

that all theselves time in the newsroom. >> take care of your business. ways you can r sign up for this law instead of a website. ridiculous. so that's all i have to say. i think it's funny. read, of the stories i though, is for the people calling in on the phone lines promoted is the phone ne lines are signed for guidance. >> some of the operators are having a hard time working system. he >> you can sign up with a paper application and there's a separate contractor to do that. but they envision a specific amount of volume. if that volume really increases, problems ave some fixing these applications. so to a point inunderstand what with our ld do we do computers but to get 7 million exchanges.he 9 million people for medicaid. 2014.are the charges for ou need those to be

computerized. >> don from pennsylvania. >> your answer, go ahead. find out where you get all of this. good somebody to know about computer can act, how do you know they ain't doing it harder to get the stuff done? and willing to go down the government and not pay your debt, they're willing to do anything. the tea party, ted cruz and all of them. early days of the launch and we're only a month into it, was some concern and question, was there sabotage. not saying who might have done that. forces against the health law trying to do what the caller is trying to do, hacking, sabotaging. that had been ruled out. officials were saying that most of it was due to incredible that they didn't necessarily anticipate and also without that, lots of testing of time that some of the bugs and kinks became more clear

up and went went live. so that's kind of how they viewed it and how they have it.ained but it's absolutely clear that republicans on capitol hill, specially in the house of representatives, they do dislike the health law. hat's why i think the hearings this week are going to be -- these are -- in the house of epresentatives, republican controlled panels. they're going to be focused a ot on what the administration know. when did they know it. what steps had they taken. what steps will they take? they're going to try to establish a line of accountability which they feel can agree with that that they're trying to provide oversight to the health law. should understand that they oppose it and never want to happen in the first place. the hearings will take place tomorrow with the ways and means committee. next after that, the house energy and commerce committee, and humant the health secretary kathleen sebelius. what do we have with

tavner. ator >> she'll try to explain how cms iewed the rollout, how they viewed the website. she'll talk about how testing they did. to the or may not get nitty-gritty, how they made certain decisions to create the accounts, for example. members will have all of the evidence that they have heard for energy and commerce republicans on the house and the senate side ask for additional data. geelt all sorts of questions about the setup and the operation. macomb, illinois, john, good morning. >> go ahead. morning. i'm calling on the ininsured line, but i'm actually 49 years disabled on medicare. i have two children living at they work part time and go to college. age 19, they e were on medicaid and then, of off.e, they were knocked my concern is when they go to

pply for insurance, will they be applying on theirselve, their will they have to apply with the whole family ncome to see if they're eligible for anything. that's all i have to ask. >> are they dependent on your tax return? >> yes, they are. >> it will be your income that would be to -- that what the subsidy is based on. income, not their own individual income. >> medicaid, the federal state health insurance program for the poor. the affordable care act expanded ofto cover people up to 133% the federal poverty level. it calls for the choice of join the expansion. roughly half decided to do so. healthcare.gov websites signed funner private health insurance those with incomes above the 133% threshold. medicaid is part of the care act. remind people what part it plays. > medicaid is a federal health

state insurance program -- beg your pardon, a federal and state insurance program for the poor and disabled. the supreme court did make that expansion optional. $16,000, duals up to it could be part of medicaid, the federal government picks up expansion for the first three years for states and tapers down 90% thereafter. part of the expansion. it's really aimed at childless matter many of whom no how low the income was in states could not have qualified for before. >> pat from medford, new jersey, insured line. hello? >> yes. thank you very much for your show. to ask this rying question for quite possibly two weeks. could answer the question for me? >> i will try. person, : i, like the the caller before, i'm 6'2". i'm disabled and have been for years. i am -- i am on medicare.

okay? because of my salary and income. -- the accident. i carry through their aarp by united rwritten health care which to offer on your website. now, do i have to go through all this again? or am i just to keep what i have hide in the bathroom until it's over? >> first i want to clarify just know, know and viewers kietzer health news is not kaiser ed with permanente. when you mention supplemental nsurance offered on the website, i want to clear that up. o your point, no, you don't do a thing. you're on medicare, you like your coverage, you have your supplemental, you're fine. if you want to change your enrollment in medicare, change change the 're on, policy. that's the supplemental insurance, you can do that in

enrollment period which happens every year. as the medicare, you have to do anything, you're fine. >> steve from dayton, ohio. hello. >> hello. >> hi, there. >> i retired last year at 63. of $1800 a come month. i'm not on medicare because i'm not old enough. one i got for insurance a monthetired was $1300 just to cover medical. it.i couldn't afford i don't have that income. i can't work fulltime to get limited toecause i'm $14,000 on social security benefit. only work -- which i work part-time to make ends meet. exchange to verify the quote. attempts, a series of you sent me a manual application i could fill out in return.

i know, my insurance would cost me about 75% of my total income so i couldn't afford to live. o obviously i couldn't afford the insurance. >> what was the quote -- what was the rate you saw on healthcare.gov. i assume the 75% was the earlier rate you saw? >> the website didn't work? >> didn't work. okay. >> i went on the first day. opened.tes after it seven or eight times differently. i finally got the registration in. e-mails that said i was -- that i was registered and that came up and said it couldn't register me at this time. i waited. the e-mails. kept reading. clicked on the link to see if it registered. clicked and said it expired. went back in reregistered all over. and the registration page when you try to put in a pass word, really doesn't work very well. i would type one character, like as, d it would put in six

so i started timing it, the key trokes, and i would delete the extra ones and i finally got it accepted again. past that got to -- registration page, it said it couldn't register me at this time. the number and a lady said she sent me a manual application. successful. i worked on it. ight times and i still haven't gotten exactly registered but i'm getting a manual application. quote n't know if the will go down. >> you haven't been tempted to i wanted bsite again, to ask? have you? >> i haven't said since two days ago. they said they were going to send me the application in the mail. it or aid could i fax something? and they said well, just fill out the form. put allo -- you have to of your income down. time.i work part

with my social security and about $1800 a month and the income. i work part time so i'll have $7,000 to $8,000. income will be somewhere around $25,000 to $27,000. >> thank you for sharing your experience. $25,000at income level, to $27,000 a year, you should financial some assistance with the premiums. you can provide a policy. deductible, a higher out of pocket co-payments and so on. ou can get a more generous policy with a higher premium but fewer out of pocket costs. it.have to look at but for that income level, you should get help with your remium subsidy and you might get some assistance on your cost sharing and your co-pays and deductibles. obviously the experience you describe is one thousands of people have had.

for incredibly frustrating them. this is what federal officials say they're focussed on and trying to correct. have we seen how many people have signed up yet? is it. >> we don't know how many people enrolled. 700,000 people have completed applications and half of those for the federal website. one of the things we're throwing in here is the health care.gov running the exchanges in 36 states. you have 14 states in the istrict of columbia that are doing their own exchanges for the states in the district, there have been some reports of so on and some are persistent. ut you can imagine the state run exchange is not going to have the problems of healthcare.gov. >> when do you hear some types of numbers? >> reporting them in mid november and doing it on a number of cases. sebelius or marilyn tavener will give some hints of during the week hearings. >> they certainly might. they just don't know if

know at this point. >> conroe, texas. we know the insurance been place that we've talking about. the signup began on october 1 kicked into place. the coverage will begin on anuary 1, 2004 and then consumers now can wait as late 2014 to sign up without a penalty. that's a change. > last week, you always had to be enrolled by march 31. because coverage always starts month for most health care companies, in effect, you had to have had a by leted application february 15 to have coverage by march 1 so you would hit that 31 coverage period. you have another six weeks to but for health insurance keep in mind let's say you apply -- rather apply for health nsurance and not face the penalty, i should clarify that. but you have to keep in mind, apply, til march 28 to you're not going to get hit with a penalty. but you're not going to have

may 1.e until that's something to keep in mind. the longer you wait to apply the be to have the coverage. >> what's the penalty? $95 or viduals for 2014, 1% of income, that's greater. 2.5% ofreases, by 2016, income or $700 or 2.5% of income. whichever is greater. >> kaiser health group joining us. texas.up next, conroe, he's insured. hello. >> hello. good morning. call. you for taking my at the end of 2012, i'm insured, policy.red on my wife's and when it came time to reup it 2012, the of were nce company that we covered under which was united and they upped their premiums by than 100%. and so he went with a different company. point ncerned me to the

where currently employers -- the man date is here for a year. nd so i haven't really heard a whole lot of discussion on this. i would like to hear some. to what is in regards appens to the system when the employer mandate waiver expires. those of pect to see us who are employed the premiums companies that we have, will those premiums go up to needs and mands and regulations and so forth? and thank you for your time. >> this is a concern that has expressed and aptz you note, the employer mandate has been delayed for a year. hat that is for people who don't know what it is, most employers who have 50 or more offer coverage or pay a fine. that, again, is postponed from 2014 to january 1, 2015. so employers are in the process

and making t this decisions. i think a lot of it depends on what are offered. the plans are offered on exchanges. how much do they cost. looking at what that does to their rates. ow, another thing to note is that if you don't offer coverage and you have an employer -- an who goes out and gets a subsidy and gets coverage on the exchanges, then that's part of process where they're doing the calculation on the fines. o your point on how businesses are going to behave, i don't think anyone really knowles. this is a concern. say it's cheaper to pay a fine and let people go to exchange. give them noun go to exchanges, is that allowed. decide i want to keep my own health care plan for the workers and if they qualify, business small exchange. go to the exchange, get coverage. i don't think anybody knowles. what ere's a concern of does it do to premiums? will it increase them?

he coverage will be more comprehensive than a lot of people have. we talkled about ben if i wants before there's things like no lifetime limits on your coverage starting in january. no annual limit ms. some things that many, many like. but the open question is what does it do to premiums? how do consumers react? especially the consumers that aren't going to get a sublsdy. how do they react and how do react?rs >> there's a follow-up. 8:45.as posted at you referenced this saying a data center critical for uninsured americans went down sunday halting on-line states.ent for 50 the data center operated by experienced amark connectivity issue a problem marketplace ne health care.gov. they could not say how long it would take to fix the connectivity problem. this was posted at 8:45 this morning. it's yet another headache. running healthcare.gov.

out the u spell problems of the website a, b, and c? problems.ty of the recent caller talked about these things. he had a problem creating an account. creates the account. he can't get into the account. maybe somebody could get into the account. but they can't complete the application. they can't see. maybe they get inaccurate on subsidies that may or may not qualify for. medicaid fy for coverage. that kind of thing. there's a whole host of rebels. mary joins us from north carolina. she's uninsured. >> opted out of the medicaid expansion. children t, my qualified for medicaid. i'm working on a job that puts the poverty level. and the amount that i would have insurance urchase my would drop below the poverty level. is there a federal insurance to medicare and medicaid that can cross the borders that

out of that expansion to purchase us insurance that will not drop us below the poverty level? i had.thought if your income is above the overty level and 100% of poverty for an individual is 11,500 and for a family of four, is, i believe, around $45,000, $40,000 or so, if -- if you're in -- that 400% of the poverty line, that last figure. if you're above the poverty line, you should be able to get to purchase coverage on the health insurance exchange. this is one of the interesting about the health law. if you are below 100% of poverty and you live in a state that not take the medicaid expansion, you're below 100% of subsidy you can't get a to buy on the exchange. in your case, it sounds like you might be able to get that to exchange.your the second part of your question about what you do if you

ouldn't get a subsidy, you couldn't buy on the exchange, your state is not expanding medicaid, you're left behind. backers of the health law never intended that to happen. it was optional, they said half of the states are not expanding medicaid. >> here's harold. benington, oklahoma on the line.ed hello. >> good morning. i was going to ask mary a question. she knows if anything about this here, i've and part j. i just wonder if they're going of this up right here. i had to wait a year. i retired when i was 62. without wait a year insurance because i had pre-existing conditions. called them insurance companies and everything and insured.'t and now i rolled the dice and waited a year until i got 65.

i wondered now then that i got all of this here pretty good i had open know, heart surgery and part j paid know, it pays u everything. that medicare didn't pay. wandered if just they're going to -- if they're going to -- they done went up a little bit. that.t care for because it's open heart would bunch, cost a whole me my place here. but anyway, i wonder if they're oing to knock all of this here in the head. believe, er thing, i mary, is i believe that a lot of is pre-existing conditions jumping on the bandwagon which is what i would have done if i early.have been i mean, you know, young and if it had come out, sure, i would jumped on it a long time ago about the pre-existing conditions. wonder if they're going to knock my insurance in the head

i like what i got. >> it's a, b, parts a and b and supplemental medicare coverage that's covering the out costs for this surgery. the answer is no. the affordable care act does not that -- with medicare's coverage. or b.s not change parts a you don't have to do anything. you don't have to take any actions. the healthicare law, care law, rather does make changes to medicare providers documented.en it does take money away from providers. here's the argument that the providers can suns these cuts. some of them came to the table when health care was being negotiated. we'll agree to this cut if we can get more people covered and insured. point about pre-existing conditions, this is something that you can't be discriminated against for the health law. insurer cannot say you eve got a heart problem. we're not going to cover that not going to re cover you period. they cannot decline coverage

based on the pre-existing condition. the earlier caller's questions about costs and what t does for employer coverage covering all of these things, that's the question, what does t do to health insurance costs to have preventive care in the law. the thought is that should just premiums increase in and it shouldn't affect how much you pay. but this is an ongoing thing that people are watching. defines the pre-existing condition and what is defined as a pre-existing condition? great question. it seems like it's a moving target. stories for years about people with minor infections, sinus for example, being told we're not going to cover that or cover them at all. the health law, that goes away. >> i have a question about that to lty you guys are going charge us uninsured people that refuse to get insurance. guys forcing us to pay? >> okay.

washington, this at at congress that voted for the health care law. to keep ht is to get the premiums affordable. you need to spread the risks. in ou need to get everyone to the system. because in effect, if someone is uninsured, they go to the hospital. there's a federal law that required the people must be treated. they must be stablized. but that creates -- that helps raise premiums for other people. is, you get ht everybody in the system, you spread the risk. and if you don't have an mandate and if you don't have a fine that people enrolled only the sickest people will step up. that is the caller notes and objections to g the individual mandate penalty. a lot of people don't like it. unpopular of the health law. the proponents say this is what get nerve the to system. >> do you get insurance even if you're fine? >> abc luftly not. forced to pay for somebody else's problem.

have health insurance, sir? >> no, i do not. and every time i go to the times a hich is four year to get annual checkups or pay out of my own pocket and i do it freely. >> let me ask your age? okay. >> i'm 31. >> you can pay the penalty. 2014.an pay for you can be charged $95 or a percent of your income, whatever higher. >> arkadelphia, arkansas. this is the last call. james on the insured line. hello. how are you doing? >> fine, james. good morning, go ahead. >> okay. interesting that it seems like 15 days of government little would cause a bit of a slowdown on this website and it's also interesting that the republicans were so against this before and now they want the website to that everyone will have health care. >> well, this is a thought that advanced i've heard democrats say the same thing. why are republicans so

spending so worried, so much time trying to make sure a website works in a law that very ave hated from the start. so that's certainly one line of thinking. the other part of the thinking -- of that thinking the republican point of view is they hate the law. they don't like it. up, running, we're trying to do the job oversight to make sure it works for america. decide for yourself on those two. next week activity about the website and help the program overall. what do you pay most attention to? going to the hearings. see nk it's important to what people from the stop say hat they knew, when they knew it and we're going to continue to look into that and figure out where it goes. >> she's following the affordable care act. much. ou so >> thank you. >> we'll focus on the intelligence gathering agencies, the use of , and rones with republican

representative mike conaway from texas. we'll be joined by bill new jersey democrat and member of the ways and means committee. o discuss that committee's hearing on implementation of the affordable care act. he'll take your questions about from hurricane sandy. washington journal is live on at 7:00 a.m. ay eastern. at the week ahead on capitol hill. and what can you tell us about that's et conference meeting wednesday. who's involved, and what are the main issues? >> the budget conference is for the first time in years, the bicameral, bipartisan conferees to hash out all of the issues we've been -- before, uring during, and in the immediate wake of the end of the government shutdown. we have at the forefront house

budget committee chairman paul from wisconsin and in the senate, we have washington democrat patty murray. issues they're going to be looking at relate to whether we with some kind of big plan, hopefully, you know, ten-year is maybe a plan if we're going to be particularly ambitious looking at everything from the of the sequester to blueprint for tax reform. we deal with raising taxes or not. how we drive down the deficit. how are many visions for we should be moving forward with our spending and budgeting and t's going to be really interesting to watch and see where agreements are made and where they're not. > and on the hill, what are people saying there? do they have high hopes for the

conference? >> i think that everyone is optimistic.usly i think the prospects for what may be a grand bargain somewhat elusive. the bottom line is it's going to e incredibly difficult to reconcile these differences. democrats want revenues on the table. do not.ans democrats want to raise taxes on of wealthy as a means reducing the deficit. republicans have said that they higherwant to put new or taxes on the table. you know, we have, i believe, members, we have four -- four republicans and house emocrats from the going into these negotiations. we have the entire senate budget committee. side gets one vote. an have to come to agreement by december 13. narrow with a /*

window here. >> and another issue, the farm bill. issues there? >> the issues there. the senate passed a full farm bill, reauthorization of the programs for five years earlier this year. of the most contentious issues it would deal with -- it supplement tam nutritional assistance program stamps bynown as food $4 billion. the house had more difficulty its farm bill. cutting it by $20 billion, which wasn't enough for ome of the conservative republicans. it failed surprisingly on the floor. what they had to do in the house is bring it back up in to two house.ns in the in one section dealing only with farm and agriculture programs

other section dealing with just the nutrition title $40 million cut to the food stamp program. so the house and the senate are even together with an larger gap between funding for those -- for that program. that's going to be something for them to reconcile. that's going to be the big focal point, we think, of the negotiations. >> and hearings this week for care.gov,ems of health which committees are involved? what do you think we'll see come out of those? we're all going is e looking for this week kathleen sebelius' testimony. she's the secretary of health and human services. she's going to be testifying to the rollout of the enrollment website that has been having a in terms of the functioning, in terms of getting people enrolled in the insurance exchanges as part of the individual mandate that we have heard so much about.

likely to be a partisan republicans who don't like the president's health law absolutely using this as odder nair own arguments against the law and as an example of the implementation is as predicted. democrats are going to be interesting to watch because health while support the care law and don't want it dismantled or repealed are in a spot because they have to acknowledge that the website is not working and needs to be fixed and that people should be accountable. so they probably want to be the fine line between asking the tough important questions but not throwing the administration, you know, >> in a frame -- in a few moments, first ladies focuses on best truman. in about an hour and a half, the opening