corporation will never make a misstep is not serious. neil: i wish we could continue we will follow this in pursuing this. all over this. >> i am gerri willis on the willis report. >> your medical privacy at rk, we hav a speal investigation to what is happening to your mecal record, and irs sd it will not have access to your med cad -- medical record in the age of obamacare, are they telling the truth? areonsumers getting the truth when i comes to sun scrn? we're on the face tonight in the willis rept. >> we are following a breaking news story out of oahoma city, a mile-wide tornado suck

suburbs south of oklahoma city, there is extensive damage to buildings and homes in the moore, oklahoma area. some pple are trapped in wreckage, emeency cwsre trying to reach them. redents did get an advance warning many had alrdy taken cover, two schools wer in the path. police say one of the schools took a direct hit, no word on injuries. national weather sr. vice said that the tornado that struck this afternoon was show big, so big that people may not have recognized it as a twier, more severe weather is forecast for tonight and tomorrow, and we'll continue to monetary the story throughout the hour. also tonight if is an issue we're devoting a week to, your private medical date action posed out there for the highest bi irk, a new lawsus is alleges irs properly seized

60 milli medical records from 10 million amecans that include sensitive information on victim psychological states, sexual and drug related treatmen. and for alleged corruption abuse of power by top government officials runs deeper, we begin our week-long session of growing risk of you medical records, and what you c do to protect yourself, joi meow, our badge up panel. -- bang up panel. deborah peal toou first, what are people trying to buy and why do they want this infortion? >> people are trying to buy health information for a lot of purposes we know about. and many that we don't. some people want to use the information to sell us products, that is one thing. but the far more dangerous problem is the use of this information by employers, banks,

insurers and others who can make decisions about us that ll be harmful to our jobs or o future. >> many people tell me, you have to throw up your hands all of your information is out there, what do you say? >> that is not right, medical information most people will agree is, among the most sensitive information we. have we tell thing in confidence to your dtors and health care providers, we expect that to be kept that way, dr. peal is correct, that information taken out of context can hurtew a job setting or trying to get a loin or a lot of situation, i don't think tha people should have to wore about, that medicalrivacy needs to be protected. >> a interesting thing about this,eople buying this information, it can include a perspective employer, let's s have you been out of work, you

need a job that perspective employer finds out you failed a precancer screening test that could ruin yourhances for getting a job, dr. peal, tell us about how valuable this information is. >> well, we know that the most valuable information about y in the digital age is anything about your mind or your body. so for exale we know that social security number can be bought for somewhere betwe 50-cents and $5 a piece, but anything about your health goes for sale on a scale of about $14 to $55. this is the most important information. dennis: unbelieveable >> yes. >> y know, mar we were looking at who buys this stuff, doctors in hospitals created information insurance companies retail pharmacies and managers. retailers, marketing companies, you look at this, thing wasn't

hippa supposed to protects us. >> that is antic clean point, congress tried to cree regulations if health record information, they could not pass a law they asked health and human services, federal agency to issue regulations, they came out, they are not as strong as ey need to be, they tried to strengthen them a little bit this year, but there has been a real push back in particular pharmaceutical industry, they want accesso that moment, it is left americans far more exposed than they would think because of this detail of tt information. it is reay shocks. >> well, and you know, the more like at this the more disturbing it is. you men ihould bed earlier get -- mentioned earlier getting a back loan, something as

innocuous as a pharmacy loyalty card cane a problem. here is wt targets web site said about their pharmacy rewards program, if information used or de disclosed is rediscld it may no longer be subct to hippa protection, what do you make of that? >> sounds like target sayg we don't have to live by the law. they don't. but interesting thing, rry is. hipaa allows most ofhe compie d ageshatoldur heal iorti rhtow. tose a disose a sell it wiouurconnt. this isctually a wnihat th wlo tt risose mes they are going to send it to peoplee would not expect to have it and would not want to have it. >> well, mark, i hate to ask,

but if i was an identity thief that wou b a very exciting moment for me, are people out there trying to figure out how to use this information. >> it is very valuable information even the companies that use the information, for what we might consider accept ale purposes, sill run a very -- still run a serious risk of security breaches there are more stories about preription record information, diagnostic information, other medical information, tt gets hacked that gs disclosed that people walk out with. and i think this is aeminder, even to the company companies that we'd -- to the good companie we'll need stronger protec in place. this is just too attractive for identity thieves. >> not like with regar old fashion i.d. theft they had access to your bank account now

maybe to the insurer's bank account. deb and mark thank you so much have a great job, fascinating nversation, thank you so much. >> now we want to know what you think. here is our uestion, are your medical records properly protected, log on to gerriwillis.com, vote on the right-hand side of the screen, i'll show the results at the end of tonight's show, coming up. pan dixon of world privacy fore sum herforumis here is break dol identity theft. by have a lot more coming this hour, a coun a consumer warningh care may soon stop covering hospital stays, i kid you not, thank you, obamacare. don't go away. you hurt my feelings, todd.

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gerri: the irs will play aig part in enforcing obamacare. many americans are asking, if it can be trusted with our medical records, with us cilia big l. with americaajority act, imlooking forward to this conversation, i want to respond to an erg an exchange between se miller, and jim mcdermott. >> irs can't access your medical files, is that true mr. miller? >> correct, sir. >> they cannot find out your private meda medical informatio?

>> that's correct sir. gerri: really? do you think miller is telling the truth? >> i do not, it has been a chief concern, amo many lawmakers, the irs and thi administration have been strsing they cannot access the medical recordst has been chiefoncern they will be ale. to senator rand paul had concerns about this, h is a physician he is very familiar with medical industry, he is concerned they ll be ab to access your medical records. gerri: let's talk about what they have access to. they claim they have to know if you have insurance. what kind of insurance you have, if you have a babyr major life change, you have to tell the irs. what else a they going to have access to? >> very unclear at this point. with the vast expansion of med camedical having and fact that

many of the ruling and regulations have not been written yet, we have to uthat in perspective, say a lot of rules have not been written yet, who knows what they will be able to access. gerri: the big breaking story circumstance irs accused of targets conservative groups, and everyone thinks this is a bad idea. doest concern that you person who organized that is now going to be in charge of organizing obamacare for the irs, what do you say to that? >> that is unbelieveable, everyone should be concerned. this is not a partisan issue any more the have violated first amendment and 4 amendment. with the seizing of medical records, fact that sarah hall ingram was advising that department during will targets of conservative religious groups, what gives us the tru

in the irs that they are not going to -- they will lawfully immine obamacare come01 when they are granded more por. gerri: beyond obamacare, you take 5 steps back. democratsow calling the law a train wreck. what is the future for this th care law? >> i -- with -- it is already a train wreck fiscally, we're seeing rise in premium,nd young americans we see 200% rise in premiums alone. but factt people who -- it has not been annvestigation into irs scandal, what give us us the trust they will be ale toy, am this lawfully. -- to be able to employment this lawfully, it is a derled trai >> well, we have a long way to go, we'll be covering this all

the wayilia thank you. >> thank you. gerri: later in the show we'll upte you on where gas prices are headed this holiday weekend, another consent of obamacare, more and more employers offer just bare bone healthy plan, it could be you at your employer next. all stations come over to mission a for a final go. this is for real this time. step seven point two one two. rify andock. command is locked. five seconds. three, two, one. standing by for capture. the most innovative software on the planet... dragon is captured. is connecting today's leading companies to places beyond it.

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gerri: code blue on your eloyer while iurance, "wall street journal" reporting that employers are considering offering bare bone, skinny health care plan to avoid obamacare penalty, with more on this. ceo of vital springs tenologies. dr. p, you said it will not cover ourmbulce ride on the ospital. what do you mean? >> i'm going to give you an example, of how ts is going to play out. suppose that i amn employee of a company, that has taken on what is called this affordable minimum coverage on the benefits, god forbid sething happens to me, i get in a car crash, the ambulance costs, if i need surgery and any hospital cost would be on my dime, the employer would ot cover, that the trickier part if my employer still provides that minimal coverage, and i try to go to the exchanges i am not entitled to

get the government subsidy, these loopholes -- >> like double jpardy, this is an unintended conquence of obamacare, the way that law is written companies with a lot the employees at low wage need an out, they pay a couple grand a pop if they do not provide some coverage thiss the out, how so? >> it will probably be cheaper to go that route for employees do that do not sck around long enough. you know employees stay for a year i t retail industry and fast-food, it does not make much economic sense to make the investment for some of the employs and expensive benefits, they do the bare minimum. but that min 34u78 i minimum iss a proxy for getting it and covering what you need. gerri: what does this mean for consumers? for the people who are covered by the scalled skinny plans.

>> you pay more. because, the exchanges are going to end up costing you more, if you can't get the subsidy and; ifer uses this loophole it means costs are going up or consumers will show up in the emergency room, because they don'tave insurance, then you know, i say this all of the time, we're back to square one. gerri: let me tell y this is crazy, the policies will cost $ 40 to $100 per month p employee. r lower than penalty, it seems that would put more pressure on the insurance exchanges that government is trying to set up? >> it will put more pressure in terms of the number of people so the costs are going to go up, budget expenses right now, for putting up the exchanges, w have talk about this, are not

add equipment you wiladequate, t needing enough insurance carriers in a given marke is provide affordable policies fors consumers, ts will be some of the sickest peopl that need the coverage that the fine it very difficult to find it. gerri: a lose-lose situation, are in the great revelation 92in 92 in healthare, unbelieveable. >> thank you. >> time for a look at stories you are clicking on, onox business.com. russell index is up 18% this year. more than dow or s&p, yahoo! buying on line blogging forum tumbler.

and the dreamliner, flies again, united airline 787 was back in the air today from houston to chicago. they were grouped for 4 months because of smoldering batteries, and supreme court agreeing to hear appls from two former fidelity workers who claim the were fed for whistle-blower activities, now the high court will decide. and those are some hot stories right now on fox business. >> we got more coming up, are consumers getting strait tal with sun screen? gas prices may be lower an analys pdicted. is it enough to get consumers study, wll share the results coming up. my mother made the best toffee in the world.

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♪ gerri: we want to go back to that breaking news story of obama's ty, a mile-wide tornado struck the suburbs south of oklahoma city. devastation across some white area. people say folks are trapped in damaged homes and buildings. emergency crews are trng to reason. at least two schools were in th path the tornado. one of them took a direct hit, so we're watching this story in givi newwpictures as we get them. no word on any injuries. residents to get advanced warning, many had already takin cover. the national weather service said the tornado had winds up t 200 miles-per-hour, more severe weather forecasting efforts and and and tomorrow and we will update you on this is as we get it dropped the show and will be covering it throughout the evening. welcome back to "the willis report". coming up, gas prices are

impacting our economy if. first, there is no sign of an end to the three mushroom scandals. over the weekend the white hous senior adviser was tasked with lending the damage. that the facts are irrelevant and it appears to have done mo harm than good. as lou dobbs pointed out, the administration is to stop distorting the facts. >> we're not quite to be able t do this alone we will need congss as a partner and i call on congress to workkwith us to support and polyphonic our budget request and improve the secutyf our embassies around the world. >> the truthsstate department officials repeatedly stated their lack of money was not an issue and nancy. in fact a month funding for embassy security has ireed by a 27% since 2007. gerri: they are treats cellist. where are you coming in tonight's show? >> covering precisely what the washington post, they ran out o

pinocchio's. they aually callthat bushel of pinocchio's for the obama administration. they cannot keep up with the obama spend machine. in overdrive over the weekend and certainly is today. we will beocusing on how the administration is trying to conflate, the flight, distract in an effort to take the immediate focus away from the scandals. it is obviously not working, an we wi be focusing on it, if you will -- well, like a laser and relentlessly. gerri: as you always do. >> and i will be talking with farmers -- former senor and a member of the foreign affairs committee, talking about precisely the scandal and, of course, we will be renewed the very latest from oklahoma,this devastating, gut-wrenching vide that we are all watching right now.

a lot of people there are in deep trouble, and we're going t have a very latest for you, of course, onhis developing story . gerri: we will watch for you in less than 30 minutes. thank you for coming out tonight . good to see u. >> thankou. gerr well, there is no distortion of thepump. gas prices rising. finally down fm last year. bank rate finding lower gas pricesre not feeling more consumer spending. senior market analyst for price futures group and a fox busines contributor. what happened when we had such good news and there all the sudden back on a roller coaster? >> we have had a lot of bad luc in the refinining front. in the midwest we had o hand tied behind our back with the biggest refinery in the midwest when they're changing, and we cannot afford to lose one more. look, we lost three more.

and t has driven up prices. add to that pipeline liquids is floods and the hateo say, this devastating tnado and up, it could add to gas prices as well because there is major refineries in oklahoma pushing up,. the pipelines, you kw, crossroads to the world. if we have power outages that could add me to the cost so is a devastatating thing and it is t good for the economy either. gerri: and double waney, obviously, with the terrible tornadoes in oklahoma. in you have been looking a this , interviewing people and find that cheaper gas prices have necessarily translate into more economic spending. why? >> well, here's the thing. in each of t last two years when gas prices are on the way up the board to cut back on spending. in both cases was 60 percent of americans cut back on spending. this year in the first part of

the year when gas prices came down, only about one i six americans actually increased thr spending as a result. while people are quick to cut back when prices are on the rise , not so quick to ramp of spending when gas pces cedown and it is a testament to how tight mini budget still are. gerr is there someing speciaright now? people sll feel under pressure financially. >> people are feeling very better about their financial security. finally starting tedurner corner. the stock market hitting new highs car resonating with consumers, but nonetheless don't have extra cash to ound. even though it is not enough to getn the abilitythe gun and ramp up their iscretionary spending to the type that would really keep this economy into a higher gear. gerri: higher gas prices? i am used to seeing them go up in the smer.

worse or better? >> i hink better. some of these refining and piline issues depresd the -- put behind as we could see a dramatic drop in price. i think the problem with the consumers of the drop in gasoline prices is has been so volatile aisle. consumers a not sure they can adjust prices because in febbuary we had a record high price and prices collapsed and came back. i agree with your other guest. we w a big bounce in conmer condence. ihink itwill be critical for the consumer this memorial day, the traditional kick off t summer driving season to see if theyrive more miles and spend more money. this will be a critical holiday coming up. gerri: greg, what do you say about memorial day? >> i think we are at the time o year where people are used to seeing gas prices go upin the summer driving season, and so that as another one of the reasons why people were holding ba, but the recent drop in gas

prices, theyviewed as temporary . research to see any dramatic black then i think that this feel confiden and gives people more money to spend. gerri: thank you for coming out and explain these issues. >>hank you.your time. gerri: when we come back our panel of experts tell you where you should be putting your mone in the engine to the question, how do you do that? tips and we will tell you that is what matters. it's as simple as this. at bny mellon, our business is investments. managing them, moving them, making them work. oversee0% of the world's financial assets. and that gives us scale and ininsight no one else has. investment management combined wi investment servicing.

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gerri: well, leaving conmers burned. misleading consumers.

thanks for coming. >> thanks you for having me. gerri: this idea of more than 50 . is that the tipping point for whether it works are not? >> is not a matter of working but how people apply it. if it is fully effective and giveyou 93 percent protection. you can go to a 30 which wilgo up to about 97 and 50 will give you 97, 98. so clearly 60's u.s. airline more. april lee works a hairline better. one study that plays it to the people. and never put enough on. so that whenthey use the higher spf they give more protection. gerri: you spf rating? >> if the 50 or 6260 like e spraa and? >> the probm is you're covering a wide area and people don't put enough on.

gerri: i haveeard the lotions. e.f. tough fill up your entire palm. >> basically you need to table fyns bulls are 1 ounces sunscreen. gerri: you have to pay for this stuff. you don't want to waste it. is there anything else i can do? >> you should buy sunscreen -- apply every two hours gerri: that is my favorite time. >> or wear protecve clothing, big broom had to. gerri: what is the difference between ultraviolet a and b? >> clearly you see a penetrates the skin deeply. basically its usually the cause of wrinkng and also causes people that are going to

tan. they're origal l.a. they thought it was the use gbl was the general causes skin canc but now they believe that it ma be the original source as a starting point. gerr how important is it to protect yoursel over e long te? >> basically it will rank lawyers can't ge you freckles and make you look older. there's a difference between aging and photoaging. gerri: well, now we have been warned. thank you for being with us. appreciate your time. fan before we leavthis topic of want to show you myolution to the big-time signed. this weekend i was out in the rain playing golf. takea look at this pture. yes, that is me. there is now you be a or b. is me in the clouds in the rain. if you are looking to head to the beach to kick off summer this memorial weekend, here's a look at the best beaches in the u.s. tonight's top five. clearwater beach inlorida.

this gulf coast getaway offers beachgoers white sandy beaches and host of water sports. number four, okay, stand back. a hawaii big island. you cannot get much more picture-perfect did the former wrestling community oppose quic neighborhoods and family friendly beachee. caro, the ultimate east us get away. amusing part -- unease in the parks and live and attainment. for half million tourists every year. that number one beachn the u.s., mandalay, who were though colorful fish andolphins.

of thisn be found in california, nejersey, new york , and california. still to come, my "2 cents more and hypocritical advice from th mayor miael bloomberg. another flash crash on wall stet. how does this keep happening? what does it mean for your mey ? answers coming up. ♪ i'm so glad you called. thank you. we're not in london, are we? no. why? apparently my debit card is. what? i know. don't woy, we have cancelled your old card. great. thank you. n addition to us nitoring your accounts for unusual activity, you cod also set up free account alerts. okay. [ female announcer ] at wells fargo we're working around the clock to help ptect your moy and financial information.

here's your temporary card. welcome back. how walondon? [ female announcer ] when people talk, great things happen. ...amelia... neil and bz: for teaching us that you can't create the future... by clinging to the past. and with that: you're history. instead of looking behin.. delta is looking beyond. 80 thousand of us investing billions... in everything fr the best experiences below... to the finest comforts abo. we're not simply saluting history... we're making it. gerri: retirement looking good. why are sma

gerri: seen. gerri: the market hits anher record high, but we are down slightly. its physical stocks. some of the best perfmers. what is driving stock? the fed, improving the economy? with us now jam from paris financial. managing partner and silve mining company. i will art with you. you agree? >> i'm not saying is wild, but i think they're looking for where they can g it. gerri: they look like they have been on fire. they have done well.

this is two and a half perct. >> trying to figure out whether they are inexpensive at this point. deermine whether the economy is getting better. perverts' 20 years. over the next re three, fou fiv years, the economy will pick up and this is a good place to buy these. us, people have been held up a defensive step for so long. gerri: it's so crazy. i want to bring kimberly in here . it's taken this long for people to get to cyclicals. it is amazing. fully valued.

>> i'm not sure we are certainly in a better position than we were in 2000 and 2007. i mean, much, much more streamlined and healthier as well as individualportfolios and bank accounts. to that end, you know, i am not sure if they agree -- if we are fair valued are not, but a bull market does not end with a fairly alued market. i think we have more room to go. denitely. gerri: stock buybacks. it on fire. companies are buying ck stocks . 286 billion of 88%, amazing numbers. did have y mess and opportunits.

they're putting their money to work. it concerns me. right now businesses and i really investing. this is a they keep their labor costs low. the u.s. corpation, their biggest employer is people. that is of them unable to keep their bottom-line growth and what their top line has not bee doing so well. ho. gerri: it looks good on the fac the have to wonder hogood it is. a lot to ask you about somethin tally different. they keep some of the same policies. i guess that monetary easing continues.

would you think of those comments? sorry. i get stuck. >> governor evs talked about escape velocity today, and that is important. this is inflation and moderat deflationary. fed policy is designed to break the back of that terrible disease. the fed poli that had been implemend has been designed to do that. they will keep going until they're fully committedto the ination backo the economy theris that capering conversatton. this that iss n going to step off the salary there. the fed will be supportive. the ecomy is on its own. gerri: i in thisas a dual mandate?

essentially elevating the idea that the fed has to fly high unemployment. >> well, they said that there not gog to take a bay the punch bowl and so on employment is under. it is that going down. until that happens the fed continueskept hush money ininto the system. everyone i happy. markets are happy and we notice a false sense of security. it comes down to make sure you pay attention to the allegation. gerri: and others last crash flight and n o paid any attention.

this worries me and is a bad sign for individual investors. >> they need to be addressed. ha nothing gets a bad thing. they need to have common nse rules. all listen liquidity dries up. we need to addre the concerns. gerri: a. gerri:? >> it points out that when there is a recent change in the circuit breaker rules the market as a funnyay of figuring out the holes. the last 30 minutes, none -- none of these work. and tell all this kazin's occur

with seen this happen over and over aga. really, really, what a fine in the middle of the trade. >> i ink we will see more hermosa more frequently. the markets are ignoring it they are expecting that these things will be averted and taking care of any 11th-hour. some of these. things will go on. gerri: we have to leave it there . thank you so much. right back with my "2 cents more" and the answer our

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♪ gerri: breaking news of okhoma , looking at live pictures of the devastation lef bend. two hospitals near. in critical condition. ere are no deaths being reported. children have been pulled out alive from thee schools. a preliminary rating which is the second highest strength level. they examine the damage. medical privacy week. are your workers beg properly protected? patricia is a medical record

director. i have to say no. the idea behind the mri is that all providers have access. i wish all my medical records o on paper and a personal file that i could take come with me. an nfl comfortable of my medical recordon commuter. a sector like you guys . we also ask a question on gerriwillis.com. 13 percent said y to may's 7 percent said no. finally tonight, you know what, doctor the college. be a plumber, my iends. that is the message from the ne rich mayor of new york city. he needs now giving their advice . for mt pople their rocket scientists. you should learn a trade instead . thank you big daddy, i mean mayor blmberg.

but you go off into the sunset. time to undetandthose gatt. that's my "2 cents more". we will continue our investigation. join us tomorrow. every night. lou: se. lou: good evening. i'm lou dobbs. we begin with breaking news. oklahoma.de tornado tore throu aerial footage shows the catastrophic devastation of fires breing out. severely damaging a hospital. at least one house as you saw. emergency crews scrambling to find survivors as you can see, the area