footsteps andmy take over as the president's spouse, and i wish him well. [applause] >> you brought down the house with your closing line about the political >> same thing i'd give the first wife which is be yourself. if you can watch your mouth. trouble with that. i would say just be yourself. and take advantage of the opportunity. i had lunches for heart, children, arthritis, cancer, nobody paid hometown except in the where the doctor came from or

he sick child came from or -- and then you got great publicity out in the country. that's counts. ho cares -- sorry -- broadcasters say. was care about is that the being know they're helped. >> barbara bush, what should in the firstng and about know?and her role we don't >> i don't know. what you don't know. seems to me i everything about the first lady. thing the first first lady ought to know is she not elected president, nor nor wasected president, i elected congressman's wife. i think you all the to know that not an elected official but that you have an opportunity of good things and

you ought to take that opportunity. in your book, you that, i am not too sure the american public likes the front and e too center. >> well, that i think's probably true. didn't elect her. do i think they like her to good things. i'm not too sure they want her to be too front and center. elected.'t contrary to popular belief. >> what do you remember about in the white house and your last day in the white house? first day in the white house. from the alking in receiving? h, you know we reviewed the parade. family er we had huge

the twins, er they're not going to like this, but going with the baby-sitter bowling alley and ordering a meal. ready to go to the balls and we had the whole gathered for a very large buffet meal. the twins were in the bowling ordering ham hamburgers. laughing. right up but i remember being surrounded to theing everybody of a balls and how pretty they looked and what fun they were having. mean, they were all over the white house, those children. >> what about your last day? day, our children left

town. around not want to be for that. moving and ery saying good-bye to the white house staff was difficult. would be reamt we back. it was hard. but life goes on. the plane with all our flew backd family and home. and the welcome here was unbelievable. we passed a pick-up truck on the ighway where there were two people standing on the back with the sign that said "welcome home barbara" and that part.ht huge tears on my they've been great to us ever since. > you have been here in this house 20 years in houston.

>> when we moved in we lived two friend's n in a great house that he was going to tear house.nd build a he built next door, next old house.s his we moved in there and the neighbors all planted the garden came home to a garden. it was wonderful. nice.st was very all unpafpledoxes perfect. david important will camp and kenny bunk port especially years. the white house >> camp david made such a ifference because there the president could really meet with fanfare.thout a lot of a lot of people came up, members, i , cabinet remember big education group george.up and talking to i just remember that every

weekend. meetings and then the afternoons he would take a nap or go might watch a movie bowling. they would play a game called up therel when we were which they played against the game sort of 's a volley but and like competition and then of course hor horseshoes but there entertained president gorbachev and many other leaders. john major just came into office came up to camp david. i remember him saying to george, well, i'm with you. and that was very important. but just a lot of things. noring a there when tkpwa was caught finally.

had our vacation because we all the family for christmas up there. easter. george w. did the same thing. throw this maybe i'd in too, i remember hearing that it of the first ladies said was so costly being the wife of the president. it's not costly at all. you don't pay your telephone bills. ou don't -- you do pay, i guess -- you pay for your food. time andests you a the it would say so and so one, egg $0.18. mean, you never could leave as cheaply as you lived at the white house. so it cost -- 90-something people taking care of you. your dryay i think for cleaning and we had someone we lived with us, 91 now, and doing our ironing

washing. and she lived there. of those e care hings, but it was great to entertain at the white house and camp david. a chance for family and bunk port is just the best. getting s it keeps lown down by bad weather, but if we can live through one halloween the house left us. stays with us. >> if you ever wanted to give or talk about policy with your husband, how would you do that? that?ould you approach >> if i wanted to, i'd just tell him. ut the truth is, i really didn't want to. he had great advisors. never, ever called his office say -- if i had something to

him.i said it to but i didn't call jim baker or anyone to say, george, this is should be because i just don't do that. an office except in the house. white house i had an office but i never went to it. my staff used it. i worked in the white house and i worked in the vice president's house at home. did not get into his office affairs. would on't think anybody tell you i did because i really didn't. that was -- i had something i i'd tell him.know but i really didn't. i mean, think of the advisors he had. he had jim baker. good, wonderful people. nick brady. this, they were in the cabinet. they knew what they were doing. ours.were friends of you know for a long, long time

and george trusted them. did i. >> barbara bush n-your memoir family andout faith, friends. we've talked about friends. e've talked about family. what about your faith? and i'm a y private believer in loving god. i pray. i pray every night sometimes we fight over whose turn it is, but we do. no fear of death which is we're comfort because getting darn close and i don't ave a fear of death for my precious george or for myself because i know that there is a not worried i'm about that. young like it for people, but i know we'll see

way or another. and our families so i have no fear of death. i have a great faith. sounds so arrogant. >> why? >> well, i'm a big shot. i have a faith in god. do have a faith in god. question it. i'm not as good as my children you rom your children learn. certainly certainly she has a prayer group gets on the phone for 30 minutes a night and prays for country.the i mean, i've learned a lot from her. and from george and from the all of them.

of death. no fear i think that's very comforting. marvin that about he does not like politics. all. but who was george's comfort the whole time he was in the white house? marvin. who was the one that -- to this one of the three people who raised the fund for his library. youngest boy 1k3 my boy are the closest to each but yet jeb certainly is he biggest defender of george and george is the biggest defender of jeb. is the spark that keeps us all going. port, when kneel leaves, something leaves because he's he says to everybody on the point and there may be 20 people the boat nt, taking over for ice cream who will

come. everybody goes. the othersand i, but all go. ball he one who gets the games going and the bonfire going. down and ne who goes has coffee downtown with 0 -- i -- people he's met, he and marie have met. everybody has got their thing nd one thing they have is loyalty to each other. hugely important and they request i havene siblings.stay loving so far so good. behave looking down so yourself. > mrs. bush, what's been your involvement with the george bush library at texas a&m. really very much. tons not onlydone

the environmental part but in library. i didn't do very much except the apartment maybe. but i just didn't. wasn't on my plate. y literacy does a lot up there and they have a wonderful literacy component to the part i'm d that interested in active in. but as far as building or have a or plotting, i wonderful rose garden up there in in my name, one wonderful gift. and i love the library and i dogs up there and letting them chase around the pond. people.eeting the i really enjoy the library a lot. there's twoof dogs, right here in the living room with us. two?are these >> this is bee bee.

george and i used to call each other bee bee when we were first married. so we have three bee bee's in our house. if i yell bee bee what do you so and so, george says which one are you talking to? and this one is mini me and she's feisty and jealous of bee bee. and she's my shadow. i can't move without her. known to nip at people. bee protects george, so she's very active protecting george. and they are huge comfort to me. always had dogs. these aren't springer spaniels though. >> i know. this is a leash city you and can't walk your dogs without a leash. span iland is a squirrel go by i'm flat on my face on the grounds. i can hold. good.hey're

i'm not sure they're dogs though. they may be people. spoiled.very we go over to the polo ground of of the 're not a member club but nobody dare say you can't come so i walk them at the polo ground. (dog barks) occasionally. k >> you have written your memoir it seems all rnal your life. >> still. >> still. will those papers go to the library. there and not to be opened for 50 years, so i can say what i want. i'm getting very togetful and really it helps have the memoirs to remember things. it easier to write it?ook, doesn't >> barbara bush, when you think about your legacy as first lady, it to be andu like what do you think it will be?

about it.hought she -- i will be that that her ll be children are her legacy and her three ildren and now great grandchildren and a fourth coming. certainly family is crucial. americanike to see the family come back strong. we had a great family and my dad only three nce, things you can give your children. ou can give them the best education. that doesn't mean stanford or or princeton. it means just the best education that you can find and you can help. you're the first teacher. you can find.tion

and to set a good example. very important. and all the love in the world. nd i hope we've given that to our children. i know george w., i've heard him ay several times his dad has given him unconditional love. all this bologna about george competing with his ridiculous.st i mean, they're devoted to each never any here was competition, and my george is in their hands, i must confess. and think they feel loved i hope if i have a legacy other that it g the enforcer will be that i raised along with a great family. barbara bush, thank you. >> thank you. that's it. girls.

"washington journal" continues. >> consumer reporter for us a today here to talk about the and the impact it's having on medical costs. i want to begin with your recent story with the headline from us a today. edical debt will persist

despite the health law. why is that? >> it will be a smaller amount. that the hing affordable care act pre srepbtsz -- some peopleus have million dollar debts. they're going into bankruptcy because they have hundreds and dollars in debt because their plans were capped. a y would only go up to certain amount. now it's kind of reversed where act caps able care what an individual family will have to pay. it will be a smaller amount but of these deductibles are so large that the average family if pay get sick and have to for their healthcare, perhaps $5,000 or even more if the -- there are rugs often separate deductibles for drugs.ption it could be close to $10,000 out of pocket if you have the nfortunate situation where you get sick and that's why you have health insurance. kicks re your insurance in you have to pay premiums -- to eah, we didn't even get

this. you got your premiums which are as they have always been for individual insurance but these deductibles are really high. you and i have -- i know i do ave an employer provided insurance. it's about $1,000. deductibles we found ere 3-5,000 and we were analyzing the healthcare.gov. high for most y people. >> how does that compare to what the ve seen before affordable care act when people went into debt because of expenses? some major surgery where they didn't have insurance and it cost a lot of honey? right.'s it could cost -- we all know and one of the reasons for the law trying to bring down healthcare costs. now have heardby one of the reasons we're paying or for an an x-ray

aspirin or an injection of omething at an emergency room is because they're having to treat so many people who don't have insurance. going to bring's some healthcare costs down. if you get in a car accident or if you got into a car accident i mentioned before it could be tens, hundreds of thousands of dollars. individual will be capped at $6,350 that's the most out of have to pay pocket before insurance kicks in $12,000.ies it's about a lot of money but still better. of ou can lower your out pocket costs depending on which plan you pick? >> yes. familiar if you affordable care act for healthcare.gov there silver, gold, platinum plans. the problem is of course that the people that have the least money to spend are the ones that buy the bronze

plans. those are the ones with the highest deductibles. saving in ey're premiu sick ms, but if they get they'll pay 60% of the cost of needs if healthcare somebody -- so tkpweu 60, 70, 80 and 90. afford -- if you're wealthy you're only going o pay 10% out of your out of pocket. but people that buy the bronze be outs of their own pocket. >> dollar amounts, average deductibles so the bronze plan like you were saying for an individual $5,000 family a little over $10,000 and then you've got silver coming in at $3,000 for individual. a little over $6,000 for a inally if you sign up for the silver plan. $1,200 for gold and $2,800 for and platinum plan, 339

for a act believe and 683 family. what does that tell you? >> it's a lot of money. you're one ntion if lucky and le who are has a subsidized plan and if you federalto 400 times the poverty level which can be as family 80, $90,000 for a which doesn't go far in a lot of ifces like where we live, so you're one of those people you're out of pocket will be i downward. but if you're a middle class 50, $60,000 a ear, you're not getting a subsidized plan and you'll pay in full. it's a lot of money. >> how do you judge affordability. >> that was one of the problems we had. we hear from a lot of people, write in and we ask for eople to write in at us a

today.com, but this is such a olitically charged issue that you don't want to believe somebody says it's not affordable. i don't want to be the one. colleagues don't want to be the one to say whether it's affordable but the government affordability test. they say it's somewhere 8 and 9%. premiums come to more annualor 9% of what your take home pay is it's considered unaffordable and you don't have buy insurance. that's what we looked at for it really -- and there were so many plans that even the government wouldn't affordable. i believe it was for a couple believe 40-$40,000 a ear, about half the county's didn't have a plan that was affordable. that's a lot. act at is affordable care say about that. here's your story. counties have pricey plans.

>> what the administration says of course there are very good validity to what they say groups some of the families us a says this was designed to make insurance the people who are uninsured, not necessarily private e who had a plan and then they needed to get -- needed to stay insured. goal of course is to get the uninsured insured. so those are the people that subside died plans and those are the people who are pap happy. occasionly and some of them are paying $50 a $100 and no deductible thrilled. it's just the journalists we ook at the negative but you respond to readers. you look at this and you go, people are just jarred by what were.ices i have to say, some of the eople i know in this town that

were some of the strong advocates of the law were the everything to me, got kicked off or didn't get kicked off october 1st and there problems, people are saying, wait -- they would ay quietly, wait until people really can get on this site. the other shoe's going to drop my god thesell say plans are expensive. it took a while. today's ing to u.s.a. analysis these are the largest counties where plans are unaffordable. philadelphia, 475 is minimum premium. $444 in orange county, florida. in franklin county ohio. and in orth carolina milwaukee county up in wisconsin premium.the minimum we're talking with a consumer u.s.a. today. democrat caller you're up first. good morning.

want to know when you mentioned that bronze plan with the $10,000 deductible, isn't $10,000 deductible sounds like a lot but it's a lot less the full cost pay if you didn't have insurance at all? >> sure. oh yes. people often weren't even paying for their insurance ecause it was paying for their healthcare because they couldn't afford it and that's where they were ending up in medical debt bankruptcy as i mentioned in the first article we talked about. better.edly it's things are better than it was. i'm just -- i was just making stories that se problems are persisting for a lot of people. there? , you still caller: yes. >> do you have a follow-up? caller: part of the reason costs are so high because we had to spend decades f tax payers paying for uncompensated care for all those who didn't have insurance. exactly.

>> go ahead. payers r point that tax had to pay for those that don't have insurance. discussion i get into and have dinner with friends and talking to friends and they say, why do we have to those people that are poor or whatever. are.d well, you already that's the point. i mean, you are paying when you o to the emergency room or you go to the doctor and things cost so much, that's why hospital are over the roof because just so many people are not able and y for their healthcare the emergency rooms have to take anybody. will the tab be less under the affordable care act? we go to e road when the hospital one hopes so. that's the goal here. but there's some skepticism that with people i talk to. >> monica tweets in this. ealth insurance covers serious illness. it's time to avoid run to the doctor for colds, et cetera. that's the goal.

another one of the goals for the law. i tell people that too. that a lot and my family one thing that happens when you have -- when you only out of pocket if affordable. you do go. you just think there might be -- even flus, people are going to emergency room for flus or doctors but a lot of this stuff can be treated at home and to get people to really think about why they need to go to the doctor. of course is sometimes they won't go until the last minute and the cost astronomical. >> white plains, new york. democratic caller. hi, michael. there? are you >> we're listening. go ahead. >> caller: we need a national like they have in canada anyone who has the money nd can't afford it should be able to apply for private health want it. if they

will her option, doctors to be private as well as medicare and they will get a salary of pay of like they do and then they can of privateain amount patients. unfortunately the money will going to fund whatever the figure is. >> all right, mike willing. well, what i would say this is about as far as the administration was able to get. the administration was able to get passed. anything that goes any farther remain in real question i would think. ook how many efforts are underway to undermine this and if not get it repealed all together. wehave to be happy with what have and there's going to be tweaks around the edges and the pro opponents say

that will be all there is. caller in ent raymond, tphoeupl. caller: yes, hello. >> you're on the air. yes, my question is, she $6,000.d i think that was the most they charge you. is that per procedure if you had orgo three times in the year $6,000 every time or is this this one time charge of $6,000 >> that would be the most you pocket a year.f if you had -- as we mentioned hese days with the cost of healthcare, almost anything certainly if you stayed overnight in the hospital you $6,000 and ould hit for the rest of the year you won have to pay more out of pocket. to yeah you wouldn't have worry about it being $18,000 if you had to go to the hospital times. does that differ in which plan you choose? actually -- that

awhat the government says is the cap. it could be lower, yes depending on what plan you have it could lower. that's the maximum. as your shopping if you don't have insurance yet the maximum pocket once of the things you have to look at along with the deductible. > how do you tell people to shop among the plans? the bronze, gold, platinum, silver? >> we were saying take your time. people did end up having a lot more time than ealized because so hard to get on. i really have recommended to insuranceigateers and brokers because it is so isn't as easyd it as buying an airline ticket on orbit. you have to know something about it and sit down with somebody who could help you likely nd what you are to pay and to ball out. if you are somebody who takes a prescription drugs it

may well make more sense to pay higher premium because particularly if there is a separate deductible for prescription drugs. jarring and even group insurance people are having to every 0 here and there time they get a drug. > talk more about the separate deductible for pharmaceuticals -- ate fairly g common or becoming more common, i should say and there is a group or at least the insurance employer provided nsurance will be able to do that if there's an outside they y manage the benefit can charge a separate deductible have done plenty that that and people aren't happy. >> john in florida, republican caller. morning.es, good given all the downside we hear young people ram, won't be buying into this, how long do you project it will be roof caves in?

>> i'm not going to make any and i don't know that the roof is going to cave in. certainly is something that everybody -- the republicans going to happen fairly soon. it's hard to say. in some of mention our earliest stories we've been analyzing the data on healthcare.gov and one of the things we noticed some of the plans some some counties there is such a wide range. it's literally all over the map. and it's not just there are that would surprise ou in both directions, so the insurers were being pretty cautious. insurers were very nervous. were on't know what they getting like the caller mentions they didn't know how many young would get and the evidence is suggesting they getting as many as they need. of the stufft some

i've reported on and the prepls you are so high it could get worse. get ope is it's going to better and they really understand who their customers are. hey don't know who their customers were so they estimated up supposedly. it e it will get -- maybe will get better. let's do glass half full. about are you hearing costs now that people can start starting e plans january 1st people who bought in to the federal exchange, they start using these different plans. what are you hearing? >> i have not talked to anyone used a plan. so many people haven't gotten their cards yet and that there's that kind of thing. i honestly don't know what the actual costs are and i doubt of a change. if anything it will continue. most people reported by now costs are growing at a much slower rate. talking with a consumer reporter with u.s.a. today about

healthcare and the healthcare law and impact it's having. caller.ic caller: i think it's more trying to rip people off. >> why do you say that? caller: because obama said at the beginning you can keep your you want.if well, i don't see what insurance companies would be dropping they when they know that can get more people to come into it. not sure that insurance companies aren't dropping people. person y did was if the ad a plan that didn't meet the criteria they put them into another plan now. one of the problems was many, perhaps most of the people frpbded up in a much more expensive plan because it had to cover a lot more. if you're a children of child bearing age you might be happy ut if you're a 60-year-old

couple and i've heard from everal of these, they weren't happy. >> the insurance companies are trying to - they're make money. i don't know if i would agree caller, but they're as i mentioned being cautious and this e waiting to see how shakes out and how hard of a hit hey're gonna take from having to meet all these new provisions. washington, north carolina. hi. story s calling with a what happened to the impact of this act here in north air care. three months ago when they tried to implement the act into the computer systems -- and this was in front of our state legislature last week -- stamp hed our food system. the entire state of north arolina has been without food stamps since november. >> boy, i had not heard that. a shame.

we've heard -- that's perhaps drastic things i've heard other than outside where s happening hear we're located. maryland is having a lot of problems with their exskhaeupbg. did their own -- they have their own exchange and competitive and good exchange but they're having problems too. i hope in this situation at it was at least rectified firly quickly. > you looked at the federal exchange. compare that though to stated affordability. it is better if the state sets own or worse? a consulting firm, they did an analysis and we had them look what we did just to help us were ense of what we

seeing because their average deductible was lower because average in and did kind of a scattered start survey of exchanges and those of those who are using the exchange. 4,000.ir average was high. really >> so pretty much it depended on presence was. i would like to evenings in the state of virginia where i live federal exchange and you might think that it would be -- the prices would be higher. it's a fairly competitive state. what's interesting for me to of it was because

they had one or more insurance ompanies that were already doing business in the rural areas and we didn't mention this. ones ral areas are the that are hardest hit and. it's hard to find doctors and insurers and not many want to practice and have their plans there because they can't together their network. >> we'll go to democratic caller arlington, texas. caller: how you doing. morning. caller: i actually have a plan. bought a blue advantage ppo from blue cross/blue shield. do you live? >> texas, it'srlington 370 a month and with dental. it's better than what my giving me and in fact they wouldn't cover routine care and i work at a

chemical plant. d.m subsidize wasn't in places i wouldn't be allowed to have it. i'm spending a little bit more money the care is much better. i can see a bigger network of doctors and my medication is covered. under my employer it only covered genetic medicine. people who don't want this plan to be in place, they need examined because it's helping a lot of people just get routine healthcare. anyone would hy want to stop someone from getting routine healthcare. i'm paying for it myself. but i wouldn't be able to get if it oss/blue shield asn't for the mandates in this program it a he more like a becauses bill of rights

all the things say you can't be dropped and ge and some other things that are really helpful for people who just want insurance. all right, caller. nice to hear stories like these because this is one of the things that the law was address. the number that i hear from is way weighted to the ones but the ones that the been the happiest are people that had preexisting conditions and couldn't get insurance. we didn't mention that. that's the biggest thing. probably the biggest thing that e again if people have cancer or heart disease or these kinds of problems can't insurance we'll be paying for it anyway. isn't it great that a gentleman ike this could get affordable healthcare and have these things covered. we also didn't mention that different costs are

going up and while they are trying to get to us not go to time we have a cold they'll play for our physicals and our physicals will in full. colorado lon colon 0s >> how much would it save in edical cost some >> out of pocket for the average person? >> or just in general medical you catch something early enough. depends onld save -- who you're talking about. if it's the federal government will probably save billions. was in he first stories philadelphia, some of these people had every possible imagine.ou could one woman who i was friendly with, she was in the hospital i talked to her -- i knew

her for three months, she had disease and rt asthma and on ten medications. twice when i heard her she just out of the nors a full week pay the bill so they have to keep saying sorry collectors. in she had been getting regular and had affordable drugs and could go to the doctor and have these different things she ends up having tos choose between which ailment she's going to address. sad. etty >> is she going to get coverage? >> yes. too.orks, she works part-time but not group hours to get the health om clinic. >> which plan did she choose? chosen yet but i recall it was going to be $167 a and she was paying far

more than that out of pocket in drugs every month. independent caller, hi,bill. caller: good morning. my question is regarding why do still in this country pay 3-5 imes as much for pharmaceuticals as anybody else in the industrialized world. argument that it's merican companies and we pay r & d. same thing happens with drugs skpwh e made, marketed distributed out of japan, for instance. has your investigative do you look at the a from the pharmacy companies and the insurance companies. not something i personally have written on. i covered washington for quite a aware that the'm

pharmaceutical industries is one top industries. i well tell you one of the things that i have covered over years, i covered the federal trade commission and they worked very hard to patent tkaeldz that name between the brand drug companies and the generic. getting paid 're to stay off the market and of the things there are high drug costs. that's one of the factors. can't address all the other factors. oklahoma city, republican. hi, phil. caller: hi. things i of the wanted to say about health nsurance is that when you pick a plan you want to pick one that right ctor's in in the network because there's 15 different networks per plan. important you look at the

network first and then pick a plan. the other thing is there's lots f people rejected for the health insurance but they don't gate reason. them why they will .ey're rejected why can't we have a fair health report act and what are the for being rejected from healthcare? have seen people that are and people with lower are not rejected. >> back to the doctors. that's another thing i have in that one of the things -- this probably was ate -- mid november when i was talking to doctors at that point and i know it's still the case. i read this. some of the doctors don't even what plans they're on. o it's -- one of the obvious

things one tells people is, call your doctor and make sure he cross.accepts blue some of them don't even know. there were different rules for in an answer companies. some of them would automatically the doctor in their exchange plan if they were already on their private insurance. this there was no rhyme or reason and because the system is screwed up and the doctors haven't always heard what plans can be accepting it difficult. but it is a perfect point to be made. yes, you need to check because a provider es the networks have been pre reduced and i know there are a lot of omplaints particularly in tphoeunew hampshire was one area where people going to boston getting the real quality anymore.dn't do that rejected, ieople are hope that law solves a lot of that because there are so many now and they can't

be rejected because of preexisting conditions as far as credit. i'm not sure how that will be affected. minutes left ew with jane o'donnell of u.s.a. today. republican caller. guys doing? ou my question is, veterans going a how will that effect them? v.a. ey keep their privileges? >> no, you're in good shape. it's just like if you were on edicare you don't have to worry. if there was some problem with you could was told consider look into something on the exchange. but you should be completely this. d unaffected by >> gloria, democratic caller good morning. 'm confused about something that the guest said. did you say that you have to pay

ome time a 5 or $6,000 deductible before the insure answers kicks in? yes exactly. caller: that takes me to another confusion f you're out of pocket ate a certain amount. you're saying that you have to pay the deductible and then you out of pocket if -- who would go to a doctor under those conditions? out ll, as i mentioned the of pocket limit -- when we think f out of pocket think of that everything you'd have to pay which would include your deductible. --you won't have to pay much once you hit your deductible if were you just an individual with limit of 6350, you would another 1350.ay i did make the point early on reason we say that the if persists that the

family really only has their they could put hands on. even getting up to the deductible will put them in debt. there is going to be a fair amount of debt debt. sign up for one of these plans, when as a consumer are you opening up your wall pay for healthcare? at what point in the process prepl up owe your pretty quick -- monthly bill. to aopbgs as soon as you go the doctor unless you have a platinum plan you'll be paying a copay. it's a for cold you'll be paying out of pocket. you're for physical golden. deductibles. >> you'll get as many colds,

flus, strep tests until your 3,000, 2,000, 5,000 deductible is met. then you'll paying a percentage of the cost of your healthcare you have a bronze plan it's going to cover 60% and you'll be 40% of your healthcare. > anaheim california, democratic caller. caller: thank you. hello. my name is son i can't. out here in california. i've been trying to apply for affordable care act. then theythe line and recommend me go to medical once i make a how much year. got you gots me you too much. they tell me well, you see you between the cracks

you can't get health insurance from this way or that way you to have to go to a clinic. so, who do i believe? methat doesn't make sense to because i believe california expanded medicaid so i don't understand. when you say you went to the affordable care act you mean you called the california exchange, covered it's called california? >> exactly. were you i'd call an insurance broker or navigator. -- my personal view is i would suggest finding an broker that won't cost you anymore than the navigator one that sells a insurance.aoeufind of go to the federal website and search for california and look and give you a list of

organizations that can help you because you're being told the wrong thing. that idea would you have to go it a clinic. everybody can get health of rance it's just a matter what price they pay. independent caller. caller: good morning. that with the use being a graphic that is entirely getting on the a. c.h. plan, with them still cover under their parents plan many even being mare skpreud still being able to covered under their parents plan, how are we going to stimulate the youth to be able to be a part of this program when they're already covered under their parents insurance. additionally there seems to be and not z opting out going to sapt a kh plan whatsoever. that's a big concern. that's a two-part question. very good problem.

they have to get a lot more young people. as you mention the there are a of people that are a lot of young people still on their can only ans but they do that until they're 26. stories locally people working for these navigator hanging outside of bars trying to interest a lot of these extreme ads trying to remind people that young people the wrist,s they take and make them the perfect candidates health insurance. they have to get them and that's the big challenge and you hit on the head there. the doctors is a big concern. i haven't looked into that how less they're getting. they're insulted by what pays.aid one doctor told me he preferred ton get paid and he'll still

the patient. pay of these plans comparable amounts. you really have to check to make you want to go to is on the plan. >> eddie in massachusetts. caller.can hi, eddie. caller: good morning. industryrned about the itself. three decades ago general motors said that they paid for more steel.insurance than how are they going to compete in future? will insurance rates go up? thank you. yeah. it probably the company's health rates will go up. you probably know the big companies got a one year delay have to cover everybody, but they do have -- likely raise y'll rates for people that are on of aninsurance and pretty

everybody that has employer insurance knows it's been going up and the options slippihrinking. you'll be better off if you have employer provided insurance but not as good. that's how they're gonna compete. >> we'll of our last call from florida.in democratic caller. caller: hello. good morning caller: i appreciate your program. to make a point about i recently got on medicare nd on insurance through my company for many, many years. premiums on those policies year.p every single originally our answer was free paid for year we because they couldn't afford it. it's a small business you understand. our premiums were

$380 a month for our insurances. this is private group health nsurance through private company. i don't see where those premiums are that much higher. coverage got less and my eductible went up every year while my premiums were going up. y maximum out of pocket were going up every year. like so many people have said the problem is the cost of the insurance companies and what they're paying for insurance. i recently ing is had cancer for a second time and shotwanted to give me this that they gave me the last time had cancer like at the very end every week and this soft $4,000. sixof that i had to pay