i hope you make money. i will see you right back here tomorrow. ♪ gerri: hello, everybody. i'm gerri willis. tonight on "the willis report" the numbers of iran. the cost of every american for obamacare. already scaring off the very people that have to sign up to make the law work. what you need to know about trading in your old electronics. how do you do that? "consumer reports" is here to help. suzanne somers is here with the new hit book. i'm too young for this. we are watching out for you tonight on "the willis report." ♪

suzanne somers and caro. it's really beautiful. you will have to stay tuned for that. tartare story tonight, obamacare . obamacare his and. could lead people wanting to opt out. with less than a week before the exchange's open the obamacare administration releasing the average cost of premiums and quickly touting affordability, but is it as affordable as the white house wants us to believe? here to weigh in, a scholar at the american enterprise institute. thank you for coming on the show. let's look at some of these basics. average premium for this exchange, something pretty common. $3.28 a month, $4,000 a year without subsidies. is that a good price? >> not a good price for people who are poor paying less or better prices in the pre exchange market. the figures are not preciie. these are all buried in

averages. i will give you one baseline figure. in 2011 the average individual market premium was about $25.80 per year which could vary depending upon was to your end and what age you are. one of the reasons why these premiums a higher under the new or exchange plan is there basically increasing the type of benefit you are getting and coverage. more expensive. that works out fine for some folks. if you want those and have heavy subsidies, but if you are younger and healthier you will be paying more. you already said if you're uninsured you probably could not afford it if you did not want to buy it previously. the mandate will try to make those individuals pay for it. gerri: great information. especially the comparison with the average individual premium. i was looking at this list today. we tweeted it. you can actually see a map of some of these numbers. the problem is, a lot of these are averages which really are not that meaningful. the thing that really blew me

away is out you insurers are participating. the government says something like 53 plans are available under, you know, every state exchange. when you look at the range it goes from six, as few as six of the way to 168 of 1609. the devil is in the details. why aren't more insurers and brand name, big-name insurers participating? >> there have been a number of states. this is more on the state-based exchanges. this is the first disclosure of what is going on. they came very late to the party. pretty much stayed out of it when they were being squeezed down. we had batman not participating, united health to some degree. what i am getting is a lot of the managed-care medicaid insurers are trying to step up and get a larger market share, bringing more and come. i'm not sure of that is where we

want to go. gerri: it is fascinating. which of these companies will participate. it goes, can they do this business and have the wherewithal to make people whole? another thing i found interesting, premiums in state and the virtual plans are basically the same. you would think that the federal government with all of its power could get really, really great deals. pretty much the same as the states. how you analyze that? >> first off, the feds are desperate to get anything out the door at the last minute. the states that have reported thus far are the ones that are the most enthusiastic and invested in trying to heavily regulate and manage the markets. there is also a little difference in participation, probably broader ensure participation in the handful of state-run exchanges as opposed to the federal exchanges. given that number before. think about insurers.

sometimes the variations do not tell you as much about competition. gerri: a lot of plans out there. everyone offering different kinds of platinum and silver and gold, you name it. you brought up young people before and what will be a test of whether obamacare is working or not on tuesday when these exchanges open will be this, our young people signing of. what are you betting? >> one of the things that was of little artificial, and this was the way political press releases were done, the numbers we got today or about the lowest cost plan, lowest cost premium. and it was compared to an artificial baseline of an older set of cbo calculations. we do not know what the market looks like. your question about what young people will do. they are facing a modest, hardly noticeable individual mandate penalty. we know that to the extent that they already are not making a lot of money and are uninsured,

that probably won't change when prices were lower but did not buy insurance. even with the subsidies for many of them that will make the difference. more likely than not we will lassies and people flocking in to buy this insurance which they have not in the past, and in this case they're being asked to pay more in order to subsidize other people. gerri: one missing link in all of this. and what is really your press release, deductibles. there is not a lot of information about that. what should we think about what the deductibles will be. >> well, you are correct. the full cost of coverage and health care includes all of your costs. now, a little bit of a mixed bag . the new required coverage is going to us, to some extent to reduce the amount, the size of the deductible the people of likely to face. one of the reasons why the pre

exchange coverage was more affordable was there might be higher deductibles or larger, sharing. that was a good bargain for a lot of people. here is how much money i have to spend. i can still make my premiums affordable because i need money for other things. we have not had all of the information out yet on the deductibles. we're talking about the individual market, a provision of the law which prevents small group employers from having a larger set of deductibles under the law. there are actually below the so-called hsa levels of cost sharing. the 70% actuarial value for the silver plan, that is a lot of cost sharing, but not as much as the average individual claim which is more affordable. gerri: let me tell you, i am listening to you talk about this. this is so, so complicated.

the federal government, of course, the stores open on tuesday. you have to be able to prove coverage as of january 1st, 2014. it is unclear to me whether you can actually make a case for these plans to the american pe and this will actually work. do you think with all the problems, glitches, the 13,000 pages of rules and regulations to my kendis work? >> it depends first of what the administration has been doing is lowering expectations and then exceeding them barely. you know, they cannot be embarrassed by whatever happens. certainly there will be some enrollment and some functioning. it looks like the system is not going to melt down on monday. so it depends what your standard is. new operations and plans, the promises, you will fall woefully

short. if you want to say anything that works and is not completely misfire and malfunction is good enough for the first year and a live for the next year, that might be the standard of success gerri: ali count. thank you for coming on. great to see you. i hope we get to see you next week when we do our health care special coverage. love to have you back. thank you, sir. >> thank you very much. gerri: now we want to know what you think. healthy young people, will they sign up for obamacare? log on to gerriwillis.com, vote on the right hand side of the screen. we will share the results. bringing you a user's guide to obamacare where we will break down all the big consumer questions. who has to sign up, when you sign up? what kind of coverage is available, the cost, all questions answered. you will want to join us for that. and here is story that has been bugging me all day. blackberry announcing last friday that they had plans to

cut 4500 jobs. a billion dollars worth of unsold phones sitting around. excess inventory. that same day company executives dump their stock. there is no proof of insider trading, but it smells funny and shows how the market is rigged to advantage insiders. joining me now, chief strategist at bill. asset management. welcome back to the show. i left out of little detail. they automatically sold before the announcement. you know how much money they manage to save themselves? >> it was not a lot. gerri: $20,000. that may not be allowed to you, but it makes a lot of difference to a lot of people. >> in the end we will find is that this is either an innocent mistake or just, you know, a total lack of communication within the firm. i find it difficult to believe that these two gentlemen -- want to get there names right. gerri: this ceo and cfo.

this is not some guy on the board is not know what is going on. these are people at the center of blackberry. they know everything that is going out the door, know what the press releases before it even hits the wires. gerri: i understand that but find it difficult to believe that these gentlemen would risk their reputations over $22,000, relatively speaking in the scheme of things. gerri: that deadly sin, agreed. it does happen. i don't know what the motivation is. but you have got to say, from the outside, but individual investors to you cannot have knowledge of the press release, that does not make them. this is more evidence of the unlevel playing field. >> it has always been an level. gerri: that does not make it right commanded should be changed. >> the easy way out of this is to discourse the profits. gerri: do you think there will do it?

>> they should. gerri: calling on them to do that? >> i am calling on them. gerri: i love it. it is a mistake, whatever. you don't care. make your right. >> giving 22,000. they have 3 million at the beginning of the year. i think they can afford it. gerri: were talking about this all the time. that sort of falls into this bailiwick. the other big one, the federal reserve. this is really scary, frightening, and we have about three different journalistic institutions today saying, hey, we are not cheating, not giving of this information early despite the fact and you can talk about this. we saw a change, bump, every action before the announcement in gold prices. >> we did. and you had three news organizations come out and said they did absolutely nothing. blumberg, thompson reuters, interestingly, down jones has not said that. they are cooperating.

in the and we will find out is that this will come down to high-frequency trading. very difficult to understand. we are talking about a low latency fee. a news organization that is releasing the data. this is machines trading with other machines. the way they caught this was that technically this should have happened in new york first. it happened in chicago. they both happened at the same time. a few milliseconds difference. gerri: the advantage you get from knowing what the fed will do before anyone else is huge. i want to read what they had to say. we did not release any info. this covers all distribution inclusive information distribution outside the locked up room. all these reporters are in a locked up from. that is the way it works. that me tell you. our friends right down the hall say we will continue to work cooperatively to report in full accordance with their desires

which is sort of a non denial denial. >> it is. and we may find it was an error. we may find criminal wrongdoing. who knows? gerri: thank you. >> thank you for having me. gerri: your patience with me. appreciated. more to come this hour, including advice on getting the most bang for your buck. next, the threat of a government shutdown is bad enough. the treasury secretary says we will hit the debt ceiling shortly after. what is congress doing? ♪ my customers can shop around--

see who does good work and compare costs. it doesn't usually work that way with health care. but with unitedhealthcare, i get information on quality rated doctors, treatment options and estimates for how much i'll pay. that helps me, and my guys, make better decisions. i don't like guesses with my business, and definitely not with our health. innovations that work for you. that's health in numbers. unitedhealthcare.

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[announcer] why not talk to someone who's sleeping on the most highly recommended d in america? ask me about my tempur-pedic. ask me how fast i fall asleep. ask me about staying asleep. [announcer] tempur-pedic owners are more satisfied than owners of any traditional mattress brand. tempur-pedic. the most highly recommended bed in america. now each of you can personalize your comfort at the touch of a button with our new tempur-choice. so both of you can get your best night's sleep together. gerri: congress staring down a 1-2 punch of a looming government shut down monday night and soon after defaulting on the country's debts. a morning in america. treasury secretary jet blue setting a deadline to raise the 16 and a half trillion dollar debt ceiling on october 17th or face catastrophic results. but uncle sam is borrowing all of this money for some of the most outrageous and useless projects ever. joining me now, a grover herman

fellow in federal budgetary affairs at the heritage foundation. thank you for joining us. >> thank you for having me. gerri: raising the debt ceiling yet again. i want you to hear what they have to say about this. >> on the matter of the debt ceiling the answer is, no, we will not negotiate. >> i will not negotiate on any means or any way on extending the debt ceiling. >> that is why i will not negotiate or the full faith and credit of the united states. will not allow anyone to on this country's reputation or threaten to inflict economic pain on millions of our own people to to make an ideological point. gerri: democrats saying the republicans are hijacking the country. you kidding me? these people don't want to negotiate at all. full stop. what do you say? >> the president and congress should cut spending and put the budget on a path to balance before increasing the debt ceiling.

this idea that somehow the welfare of america is dependent upon the government being able to spend and borrow without any limit, that is just simply not true. the opposite is true. if you have too much spending you are hurting the economy, americans. think of an entrepreneur who cannot go on because interest rates go through. gerri: we could be in that situation. it could be around the corner. here is what i don't get. why have a debt ceiling? we do not pay a bit of attention to it. we raise it every year twice a year. why should we even bother. >> it is supposed to serve as a wake-up call for the congress and president to be confronted with what happens when you spend too much. you end up with a massive national debt which now stands at $140,000 for very american household. it does not work unless the president and congress respond to the debt limit by cutting spending and putting the budget on the path to balance. that is what needs to happen.

gerri: we were just showing the national debt. i have an act here. the government every day is spending $60 billion which to me sounds like a heck of a lot of money. what do we cut? nancy pelosi says he cannot get anything. you say there is room to cut. where? >> there is a lot of wasted fraud that needs to go, but you cannot put the budget on the path to balance unless you go after the entitlement. 45 percent of spending goes to programs like social security, medicare and medicaid. in ten years it will consume half of the budget. you need to reform the entitlements and do so now. gerri: i agree but have to mention a couple of little things that are crazy. the fda spending $1,802,000 to better understand social media because we need the people at the fda to tweet, i guess. the post office, which as you

know, is having major, major, major problems, spending half a million dollars on a future is to study the fate of postage stamps. help me get my mind around this. deep financial trouble and hiring someone to look into a crystal ball. you kidding me? >> allow the federal agencies are making bad decisions. the one thing that we have right now that is actually helping to bring down federal spending, is the sequestered. despite all of the fear mongering hear this, democrats want to get rid of sequestration . senator charles schumer said that he will negotiate spending as high as possible. that is the problem right there. gerri: you are not kidding. thank you for coming on. i hope we get to see you again soon. >> thank you. gerri: we are not done yet.

the want to bring you the latest on the story we have been covering. finding a bill. $10 per hour. raising the current minimum on july 1st and then $10 an hour in 2016. the first increase in california's minimum wages six years. he calls the legislation long overdue. businesses are worried it will hurt the bottom line. the beautiful suzanne somers is here with a look at ways to keep you looking and feeling younger. next, 110 new iphone but don't know how to get rid of the smart phone you already have? we will tell you how coming up. ♪

gerri: if you want to update

that smart phone, tips on what to do with gerald one. how to make money off of your old gadgets coming up. ♪

>> more retail companies are offering store credit toward a smart phone in exchange for your old gadget. joining me now, senio senior prt editor for consumer reports.lq/b it is great to hañqe=u:i us. i understand you have some problems with the camera. >> isn't it ironic that the consumer reports camera comics out? >> could be, could be. do you like this stuff, is it a good idea? >> oh, sure.

really you might have until your credit card bill arrives but the point is pretty clear because let's face it, today dazzling expensive cameras give way to tomorrow's models in a heartbeat. a lot of us want to keep pace it is a great way to keep pace with technology and innovation by being able to expose products have a lot of life in them. gerri: what you do at amazon? >> you go to the.com section, you select the types category and select the exact model. you have to know the brand and the number. you will be prompted to enter a username password, and assess the condition of the gadget. you get a value right then and

there. if you like the deal, you can print a shipping label, it is free and you send it off and they send you a gift card for the value of the item. one of the neck visits you don't get cash back. if you don't like it, take what they give you or they will send it back to you. best buy offers not only online but in-store trades. we did our reporting, asked by was reporting gift cards for any working smart phone to use toward the purchase of an iphone with a two-year agreement. other electronics include computer tablets, mp3 players. gerri: virtually anything. can we talk about target? >> target. blu-ray players, dvd players. kind of the same drill as you do with amazon.

put in all the trading information. the brand, the model, the condition. in good shape you can get $290 for an at&t 16 gigabyte iphone 5. a lot of people may pay actual actually, that may be more than you pay for the phone. so it is a great opportunity. gerri: i like that. walmart and sam's club? >> kind of the same thing. walmart will give 50-$300 credit for the purchase of a new smart phone they trade in their current one at walmart or the counterpart. to receive a credit bring your working smart phone to associate in the store. they will assess the condition and once you accept, the trading is applied to your new smart phone plan of your choice, that is all there is to it. online customers can do it mentioned earlier. they can get an immediate

estimate. they will send it back. it really has very little downside. not a whole heck of a lot. gerri: kind of like a crack addiction. keep trading up, trading up. thank you for coming on the show tonight, good to see yyu. coming up next, keeping you young and beautiful. i will be joined by supermodel and host of the new fox show "a healthy you." and author of the new book "i'm too young for this" suzanne somers is here. life-changing advice from both of these women. ♪ so ally bank really has no hidden fees on savings accounts? no hidden fees. it's just that i'm worried about you know "hidden things." ok, why's that? well uhhh... hey daddy, what's your job?

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gerri: there is something about that. i have suzanne somers on. here is what talking about. stress and taxes are no good for us but what if we told you they can be accelerating your aging process. in the new book suzanne somers is sharing the benefits hormone replacement therapy and why she says this can be life-changing for you and your loved ones. well, again. this is the second time we have had you on. i should be on your show. good to see you again. gerri: this thing about the toxins aging you, tell me about that. >> toxins blend hormone production, i live in sleepy malibu, when i come here you are not aware of the amount of stress you encounter. the united nations is in town and people are honking and

banging into you and there are potholes. by the time i get to fox i am stressed. i had to up my estrogen because of the stress of new york city. imagine what it is doing to all the rest of you. gerri: i want to ask you. it is exciting but there is something else that goes along with that, that is your shoulders up to your ears half the time. you say hormone therapy is the answer. tell us what you know. >> let me give you two examples. there is such a misnomer about hormonal replacement. a study of 80,000 women, a famous study. the conclusion of that was women on synthetic hormones had a 69%

increased risk of getting breast cancer from those hormones. 69%. the hormones i take are biologically identical to the human hormone and an exact replica of what your body makes or once made. they did a study of the american cancer society 422,000 women, the conclusion was women from 40 on who took biogenic o hormones had a 41% decreased risk of breast cancer. it is very different and very conclusive to me. i have been on them for 16 years now. i think it has slowed down the aging process in me giving back my quality of life. gerri: how has your life improves?

>> the three years ahead nor hormones, i looked everywhere in the house for them. i would weep for no reason. fly off the handle for no reason. i see the glass half full. bloating all the time, gaining weight. looking at myself and pictures in the "national enquirer" saying things like hirsute looks snug. you have to have them say your suit looks snug. everything made me mad. one day my husband, who i have been with since i was 19 years old who i adore said to me a marriage can only make to so muh of this. i thought i never thought i was that bad i never meant to take it out on you, so i went to the doctor, i was offered antidepressants, antianxiety, cholesterol lowering, sleeping

pills. this cocktail they put women on that messes with our ability to be wise and thinking. and i heard, had my lab work done, she taught me about hormones and i never looked back. gerri: and you look fantastic. everybody in the building knows about it. i love the name of your book, "i'm too young for this." what are you hoping to tell women out there? >> women don't realize this could possibly be happening to them. a women in that demo would say to me i don't know why i am not sleeping well. it is probably my hormones. no, i'm too young for this. i realize my first started writing books on hormones, the younger ones were not interested because they felt perfect.

you go to this blissful. where you can conceive and your body looks great and you feel great. and then one night it comes creeping in and changes your life and the mood of the house. i am running into husbands all this week. a lot of them are saying i'm just going to leave it on the counter. don't hand it to her. if she is going through this comment will not go over well. gerri: thank you for coming on. >> forever health.com if you want to find a doctor who understands this. they will route you to the doctor nearest you. gerri: when we come back are women or men smarter investors?

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axiron can restore t levels to normal in about 2 weeks in most men. axiron is not for use in women or anyone younger than 18 or men with prostate or breast cancer. women, especially those who are or who may become pregnant and children should avoid contt where axiron is applied as unexpected signs of puberty in children or changes ibody hair or increased acne in women may occur. report these sympts to your doctor. tell your doctor about all medical conditions and medications. serious side effects could include increased risk of prostate cancer; worsening prostate symptoms; decreased sperm count; ankle, feet or body swelling; enlarged or painful breasts; problems breathing while sleeping; and blood clots in the legs. common side effects include skin redness or irritation where applied, increased d blood cell count, headache, diarrhea, vomiting, and increase in psa. ask your doctor about the only underarm low t treatment, axiron.

gerri: she conquered the runway and bookstores. now she is taking to the airwaves with a new show on the fox news channel called "a healthy you." helping viewers maintain and improve their health and wellness. you have to check it out, every saturday at 4:00 p.m. she joins me now the beautiful carol. thank you for coming on the show. tell me about your show, what we're trying to do with it. >> trying to bring it all the information i have learned in the last 17 years about health. i have had health issues and

like every woman, i want to stay skinny, i want to look good. gerri: all of these beautiful women on the show tonight. you compete with other women all the time, and so especially in my business i really wanted that edge. nothing i did work. driving myself into ill health. gerri: to me about the building blocks of a healthy life. >> there are several things you can do it all goes back to the things we do the most. eat, drink and with women the skincare, shampoo. all those kind of things. food, air, water and skincare. that is where i tried to make my biggest impact. gerri: tell me about raw food. >> everything comes from what we eat. some of us do it a little bit

more than others. gerri: you like things not to be cut. >> i like them as clean as possible. that is what we talk about on the show, try to make things easy. here is the problem, here is our solution. easy, simple way to deal with this problem and become healthier and younger at the end of it. gerri: you say when it comes to food there are a lot of preservatives put in the food you buy from the grocery store every single day. what does that do for us? >> it ages you so quickly. it blocks hormones, it blocks the systems of the body. and her kin system. digestion. riddick is affected by what we eat. the biggest thing i have learned on my show is how much of the things i do every day that people don't even know about. for example we had a show on about how to maintain ph in the

body because it ages you like that. we are an aci asset system. we create a lot of acid. the body needs to be a neutral balanced ph. add a lot of alkaline. i didn't know people didn't know about this or that alkaline water could antiage you come destress the body, could lower information rates. and i am getting amazing result from people online, twitter, e-mail saying to tell us more. that is what my show does. these things doubly else talks about to life the a. >> when you're eating right, the body balances itself out. the body can do whatever it

needs you to do. gerri: what are you excited about coming up in your show? >> i have david wolf talking about cardiovascular health di. gerri: women get it and don't even know they have it. all the indication of what happens with men. >> i miss my brother. we started a segment about allergies and food allergies and maintaining better health. we are doing something on supplements trying to regulate supplements and put the prescription item. that would devastate me. gerri: so great to see you, i hope you will come back sometime.

>> if you have anything health-related you want to talk about, something strange that actually works, come on our show. >> great to see you, thank you. that was fun. although i'm developing a psychological problem here. my two cents more. and another willis report battle of the sexes. we will have results of a survey coming up. my customers can shop around.

but it doesn't usually work that way with health care. with unitedhealthcare, i get information on quality rated doctors, treatment options and cost estimates, so we can ke better health decisions. that's health in numbers. unitedhealthcare. gerri: what about the fair investor. we settle the budget battle of the sexes coming up in two minutes.

♪ gerri: so tonight we settle once and for all who is really better with money. men or women? joining me now, executive vice president of retirement investing and strategies at fidelity. great to have you here. you have done the work, you have done the survey, men or women, who is better? >> lot of good news coming out of the survey. one in four women so they are the primary caregiver of the budget. one in five women now responsible for the long-term investment planning. those are both good statistics because they're up almost doubled from the last time we did the survey almost two years ago. women who can take greater control of their long-term financial planning in their household. gerri: we see those numbers creeping up, handling money in the household, but there's something about these surveys that drive me nutty. women over and over again talk

about how insecure they are about investing, how they don't want to do it and man to my mind are overly confident. what does this tell you? >> we asked why do advocate those decisions to your male partner we found they said i trust my partner to make these decisions and i feel he is better at math. the lack of confidence is something have to help sure women up to make sure they are well supported in the decisions they make. we sit down with a couple, we talk to both houses equally because we recognize the physically woman will have to make financial decisions on her own. the divorce rate approaching 50% in america. women live five years longer than male spouses the likelihood is very high. gerri: the reality is from your own survey, women are more disciplined, stay the course.

men jump in and out of investments all the time. women tend to stay the course, right? seems to me by definition even if they don't say they have the confidence, they are probably doing a better job. >> investments and target funds with higher percentage than their male counterparts. they tend to stay the course and balance equities and bonds so the market volatility women stay disciplined. the second important piece is budgeting. set a good budget and stick with it is very good disciplined investors who gets to retirement and have a successful retirement if they have been able to live on a budget very successfully. gerri: i love that. thanks for coming on the show tonight, great stuff we had interesting, the debate wages over men and women. back with my two cents more and the answer to the question of the day.

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gerri: as we said before a chimeric and will pay an average premium of $328 per month for what they call admit there to health insurance plan the obamacare health exchanges open for enrollment on tuesday next week. the healthier you are the less you are likely to stay. here's what you're posting on my facebook page. they would be stupid if they did. they don't, rates will have to change. no, they won't, they would rather spend the money on party, cell phone and light gadgets and food. not a priority. interesting. we also asked the question juris willis.com. 92% said no. log onto gerriwillis.com for our online question every weekday.

you know, finally here tonight the marathon 21 hour rant against obamacare was an impressive show against a law that will burn the taxpayer with even more debt. for the 15.7 trillion debt we have on the books. remember that. ultimately his speech is not expected to make much of a difference. the sad event of a bill to avert a government shutdown while b funding obamacare, senate democratic leader harry reid expected to strike the obamacare language which will leave just a stopgap funding bill. the cost of this bill already piling up. the american action form released a report showing the cost of implementing obamacare $5.3 billion. two states and to businesses. the paperwork burden of the exchanges is more than 16.6 million hours and 40 new forms. altogether health and human

services imposes 645 million hours of paperwork and more than 4000 forms. that's out of control. that's my two cents more. thank you for joining us, we will see you back here tomorrow. lou: good evening, everybody. thank you for being with us. senator ted cruz with an impressive physical and mental compass meant on the floor of the senate. delivering an incredible 21 hour floor speech in which he railed about the dangers of obamacare. he tried to persuade the other 45 republicans in his caucus to vote against cloture on the house pass continuing resolution. that virtue is effort, resulted in a 100-0 vote foreclosure, not against it. which means he couldn't convince his colleagues, and i can hardly blamehe