not getting along are working well together. don't miss it. "the willis report" is next. ♪ gerri: heelo, everybody. i'm gerriwillis.com. welcome to a special edition of "the willis report." all the questions tonight come from you. now, we did a similar show last week just like this. since then you have sent me so many more great questions about obamacare and its impact that wanted to dedicate get another show to answering, and that is what we're doing tonight. a new health care live starting

to have a huge impact on people's lives and is one of the most important topics we have never covered here. it is the biggest consumer story this year. i have been questions by e-mail, facebook, and twitter periods tonight i am giving you the opportunity to call and let your questions. the toll-free number, 877-249- 966. 877-24-9966. experts are here to answer your questions. we will keep the number of throughout the show. there is another story we're following. we will keep you apprised. the speaker of the house and other house republican leaders leading -- meeting with the president at the white house. we are told that after an hour of conversation the speaker of the house left. we expected someone to come and talk to us about what happened. that has not happened. we could break it at any point with details on that meeting. we will continue to follow that as we do our call-in show.

let's get started. with us now, steve more, editorial board member of the wall street journal. do we have been? yes, we do. president of the american action form. dr. mark sigell of that fox news medical aid team. what a bang a pay-but we have. i want to start with the question, something i have been asking all weekend trying to get answers to. alex on twitter asks how many people have signed up for obamacare, what kind of people have signed up for obamacare? first was share what we reported out this week. we found that on the state exchange, not the federal exchange because they have not been say what they're getting, on the state exchanges there have been almost 90,000 people signing upp keep in mind, that is just over 1 percent of the 7 million a wanted to sign up. what do you know? >> they say they're not trying to tell us on november 1st, but today the daily mail is reporting that ii the states covered by the federal exchange in one week day at 51,000 people

if you put that together with your number we are at about 150,,00 people. that is one week. we have ten weeks of sign up. that gives them to a million and a half. things are now looking good. gerri: not even close. the other part of this question, what kind of people i signing of. >> it is clear, the people who don't have health insurance will show up first. the high-risk, expensive who really want to be insured. gerri: more questions than answers read comes to the number of people who are signing up. go ahead. >> some of the other reports are really striking. i was zero, kansas, five. these are stunning numbers. gerri: single digits in some cases. obviously underwhelming and what is going on here is people with pre-existing conditions are really coming to that trough. they want to play and get coverage. with all of the fees, taxes, and

subsidies paid for by taxes of workers plus premiums, what is the true costs, that's true cost to get this insurance? >> well, if you are talking about the true cost to the taxpayer, you know, the estimates of obamacare, doug knows his numbers better than i do, by well over a trillion dollars for that trip to the first ten years. every time they read estimate those numbers -- and correct me if i'm wrong, they increase the cost. and may i say that that is exactly what happened with the history of medicare and medicaid they started out as being relatively small class programs and every couple years the class would inflate more and more which is why people like me were skeptical that this would ever -- remember that the that this would reduce the deficit. no one believes that anymore. gerri: reduce the deficit, reduce costs. we have a caller want to go to the american know, with a question about signing up.

>> our you doing. gerri: rate. your question. >> here is what happens to me. i went on the obama exchange and checked out the insurance policies. okay. anyway, i went to it and decided to decline. they simi a bill for $95 because they assumed -- >> un the first person to pay the penalty. congratulations. [laughter] >> what i ended up doing was, i have a national insurance company to my not going to give the name, but anyway, i caught them directly. not only did i get a better policy, i got it at a better price with the better deductible can you explain that? gerri: one thing. this is an important call. this film and had that experience you know, a lot of people are just kind of casually

shopping around and going to the exchanges out of curiosity. if you get to the stains in given year affirmation and find something you don't want, then charge you the individual mandate. that is going to keep people away from the website for an even investigating the system in the first place. that is a damning indictment of the program. gerri: let's get dr. sigell in your for a second. >> a 110 and some meat to these bonds. check out these numbers. you go to the exchange and you are $50,000 a year and have a family of four it will cost you in real numbers $8,290 on the silver plan. that will cost you in real dollars 8,000. then the fed's campaign. they subsidize you. you end up paying three dozen $6,769. the taxpayer, i will eat the rest of that. so these plans are much more expensive than what you actually get from their employer.

you don't get the same services either because you have it shrinking networks, not the same choices. also a problem that we can talk about later about pain and a pocket. believe it or not, obamacare did not enforce the payment out of pocket limit this year for 2014. that is not even been recorded. so if you go for a bronze plan you could end up paying and a pocket much more than you can afford. gerri: so much to talk about. have been so excited. all right. thank you so much. they will see you in a minute. a lot more still to come including more questions from e-mails, twitter, facebook. plus, do not forget to call in with questions. to cut the number next. advice for young people. don't go away.

♪ gerri: tonight, another special edition of "the willis report" since last friday's call-in so was such a success. tonight all the questions come premier, our viewers, and many of you are concerned about what obamacare means of about young adults curve -- back with me

again. first question, bonnie from south carolina. my daughter is 30 years old. she does not get insurance will fines be taken out of her tax refund? what happens if she does not get a refund? will they keep adding interest to what ceos and garnish your paycheck? is jailed on the possibility? context on this, the irs and, after you for back taxes. they can take your house, your income, do what everyone. does this happen in the same way with the obamacare? >> absolutely. the irs is getting plenty of black eyes, but i envision that they could put people in jail for this. by 2016 it will be two and half percentage for income which could be hefty. and at her age we have talked about before, at 30 years old she is paying for my older patients, the ones with the pre-existing conditions.

she will end up paying higher premiums that she wants to pay. there is an invincibility policy available, but it is loaded with red tape and are to sign up for. she may say that she does not want an insurance policy right now. i cannot afford it. some will have to pay the penalty, and it will comm out of her taxes. >> and it is quite likely she will be there. reelected the premiums on exchanges, and for women who are 30, non-smokers and the average increases 190%. gerri: a big chunk of change. a jacket changed. we have a caller, susan on aids as a. tell us your question. >> thank you for your show. there is alternatives. if you could discuss solutions, but a share. also, health saving plans. i think this is learly a catastrophe. and this function. sustained general question.

if you could talk about the true solutions. gerri: thank you for your call. we appreciated. what are the solutions? is 8hasa? what do we do that will work better? s in one plan from republicans or you get that tax credits to buy insurance. that way there is no infrastructure to maintain. you know, the irs handles a tax credit and you're done. >> you know, the interesting thing about obamacare, the reason there has been set up a public backlash against it is that it is true that we have 30 million americans without health insurance come about that means the other 90% to have health insurance. for the most part, not everybody, but most people are happy with the plan they have now. what is also interestinn is, there is a new trend in the health-insurance industry toward exactly what this woman was talking about, health savings accounts where you have a fairly

modest to high deductible plan which means your premiums are much lower. it is essentially a cover for more catastrophic expenses -- catastrophic expenses which is what insurance is about. i think that's the direction we should go in. here is the point. obamacare penalizes and makes it much more financially unattractive to go into these medical savings account type plants. gerri: and it is unbelievable. some of the programs that they are putting on the back burner are actually killing to make way for obamacare. i have a question for you. listen to this. h dvr on twitter. my sun is single and 34 in his insurance has gone from $61 to two under and 41 a month which she cannot afford. suggestions jack. >> listen. wouldn't it be niie if he had a health savings account option because then he would know what

he was actually paying for. instead if he tries to buy a plan on this date the stains and gets a bronze planting you once more out of pocket, he may find that he cannot afford the premiums and you cannot afford the out of pocket expenses are deductible. if he had held savings accounts be maximized and they are being minimized by the obamacare committee has the maximize ticket make it a tax deduction. gerri: this question i have to get. >> and other cable channel that has a different post, catherine sibelius was asked this question commander answer was pay the penalty. gerri: advocating. >> i was going to say, when you pay the penalty you don't have health insurance, so it does not solve the problem. [laughter] gerri: that's absolutely right. good call. this is a question that i think needs to be quest to advance it. am i going to lose my

specialist? >> you very well may. it as the doctor pointed out earlier, one way they have kept the cost down is to have tight networks. the specialist may not be in a network. it could be the you are one of the unfortunate ones who lost their health insurance you like. again, the specialists is gone. one of the things i am really worried about is a different part of obamacare, micromanaging the delivery. a ceo, creating large local monopolies in some cases. they don't generally distinguish themselves by giving you a low price and a lot of choice. i would be nervous. >> you might to keep me, but i might tell you that the orthopedist i am used to using with hypertension specialist of the attrition or psychologists is not in the plant, and my hospital might not be in a plan. did not work for me in the 1990's and will now. gerri: and that is the voice of

a doctor, someone who knows. thank you. we will see you again shortly. the q&a has rolled on. we have a lot more questions to come, including whether he will wait until you are sick to get insurance. would you do that? stay with us. ♪

♪ gerri: welcome back to our second special user's guide to obamacare. you still have time to send in your questions. give us a call. the number, 877-249-9626. back with me again to answer all of your questions. the director of the new york cardiac center.

and i believe we have a question for you. a caller, marry in texas, calling another question. are you there? >> yes, i am. thank you for taking me. i was diagnosed with you during cancer when i was 58. i got a wonderful care at a nationally known clinic. and i recovered. for years out it came back a second time, went to my lungs. they took care of it. i have been on a low dose of chemotherapy. i am entering my fifth year right now. a friend told me that if i turn 76, 76 years old and the cancer comes back that they will not treated. now, i am up and dressed and going to work every day. and i pay for my medicare. i pay for my secondary insurance. that sounds to me like a death sentence. gerri: let's put it to the doctor.

under obamacare will she get care? that is the fundamental question. it. >> i don't think obamacare directly will affect medicare patients in the beginning because it is about nine medicare patients, but eventually if they start cutting medicare reimbursements to doctors because they have to put money into obamacare it could affect how many doctors are available to see patients. down the road it could be a problem if medicare payments are cut back who. gerri: ultimately marrr couud see an impact. steve, did i hear you say you wanted tt join the conversation? >> this is an amazing story. if you look at all the pages of when the obama administration says there are hundreds of pages of cost-saving measures in that bill, it is incredibly complicated. but most of those cost savings are making decisions about not allowing people to get care. i'm not talking about this specific situation, but there will be denial as care. that is the way the central plan health care system works.

gerri: wow. this to me, this is the crux of the whole thing. who gets care at what price. who decides. and let me ask you a question on a totally different topic in a slightly different way. marc von facebook says, if this coverage must accept preexisting conditions like this lady had what will prevent any 125-100 years of age to not purpose -- purchased the insurance until they need? >> obviously the penalty is love which is an incentive to not purchase the insurance and simply take the penalty. there are enrollment. the only real catches if you don't have insurance you have to wait until the next enrollment time frame which will be incentive to get in. thus people don't think it is strong enough. gerri: another caller. virginia and north carolina joining us with a question. >> yes. i think you. gerri: you're welcome. >> i was -- i, too, am in my

50's. i am about to be 59. and have a disability, was fired from my job because of the disability. and i -- my disability -- my social security disability is $1,413 a month. gerri: right. >> so i don't get medicare. i have to purchase an insurance policy now. i cannot, no services, no medication, you know, -- i am trying to keep a house of my head. what do i do? gerri: that is a great question. a lot of people are in the position of wondering whether they can afford obamacare coverage. doug? >> there are couple of different things. get to the exchannes and we know what the prices are.

there is some help, but typically because of the big out of pocket cost and the deductibles. the second is many will be in estate, they're not eligible for these changes. they have to go out and buy with no hope that knowledge will be a real problem. gerri: we have heard from people in that scenario. virginias concern is that the disability money as she gets means that she cannot afford the insurance coverage which is a terrible situation to be an. richard from florida, if you already have medical coverage to your starting to pay for yourself and fall into the low-income category will you receive a tax refund or credit? what. gerri: that? >> if you are low income you will get a subsidy. you could go into these changes and possibly find a better deal. if you have a low-income -- i

don't know about this gentleman, but maybe 2,025,000 per year, the government pays for a lot of your health insurance. this is a cross subsidy system. gerri: and dr. steve, i want to bring . as a doctor how the response of these pressures. people don't have money. they don't -- campaign for the insurance. >> we have done in our office, because of the high deductible plans we get started taking credit cards justin casey have a thousand dollars deductible and you have a lot of costs involved. that is a problem because not everyone has credit cards. i think what you will see is less number of doctors. they don't know. we don't have a clue. if you go to the doctor, how can you know that he will be paid in had the man is that? gerri: to you have friends who are doctors who will leave the system? >> we are seeing an lready.

people learn not taking medicare patients because reimbursements are cut back. high deductible plans, they cannot take patience. patients can afford the deductibles. it is an issue. gerri: doug. >> this will be a problem because we have seen in the medicaid program that just having an insurance policy does not mean you get to see a doctor. that is that. this program with its tight networks, low reimbursement, it tends to keep costs down looks like medicaid of the future. this is the problem. there are talking as if getting on a website and buying a policy is the and all be all. it is not. getting the care is, and that is it. gerri: i think you have to start thinking about thaa. cost is important. it does not solve cost. i am not sure what we are getting at. well, thanks. more coming up. they will stay with us. next, our hour-long obamacare question and answer session continues with a look at just what counts as income when it comes to subsidies. the details. stay with us. ♪ copd makes it had breathe.

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♪ gerri: welcome back. breaking news tonight on the president meeting with house gop leaders on the topic of the government shut down. let's go to our very own peter barnes with details. peter, what do you have. >> reporter: that meeting broke up just about an hour ago or so. now the republican leaders are back on their health and our meeting after this. we did not get a statement here, but we did get a statement from the majority leader, eric cantor. he said that the meeting was -- the meeting with the president was useful and it helps to clarify where each side stands. these discussions will continue. take a listen. >> we had that very useful meeting. it was clarifying both sides us aware we are. it's take away of the meeting. it teams will be talking further. more discussion. we will come back.

we would go and consult with the administration folks. hopefully we can see a way forward. >> reporter: so maybe they are circling a round each other, these conversations. they are talking, circling around some kind of deal that might resolve the shutdown and get the debt ceiling raised in3 the next few days. it is obviously a fluid situation. gerri: of fluid situation. they are talking. something tells me you will be busy all night long. thank you for bringing that report to us. we appreciate it. >> thanks. gerri: well, you know for weeks we have been collecting questions and concerns on obamacare. tonight for the second time our panel of experts have the answers. of course you still have time to send in your question on facebook. sweet as, better yet, give us a call at 877-249-9626.

let's get right down to it. joining me now, the surgeon an adjunct scholar at the cato institute. ceo of vital spring's technology. senior editor at dissing reports. i will start with an e-mail from gail in connecticut askiig, if you're unemployed does unemployment insurance count as income in figuring out what subsidies are available to you under obamacare? this is something we have been talking a lot about. >> it counts. they got your 1440 or download one from the irs. everything listed there as income accounts, and you will see unemployment insurance is on there. gerri: all right. the big question for a lot of people, adjusted gross income, what does it contain. the definition is a little more3 broad than it is for the purposes of the irs. what else do you have to count as income? >> look at your adjusted gross income and you have to add back

untaxed -- tax-free interest. foreign earnings and any social security benefits the you have gotten. gerri: very different. we have a phone call right now from california. you there? >> yes. how are you doing? gerri: i'm good. what is your question? >> more concern than the question. i am a self-employed individual. a lot of folks like me. 70,000 or a little above. i winced to the new obama deal, and it took me three or four days just to get through. they want to charge me over $900 a month from my wife tonight. 12,000 per year. i don't need health insurance. i'm okay. gerri: that is a lot of money. do you think a lot of people i signed it -- signing on to these

exchanges in finding out that the costs are high? >> some people will find that, and some oo it depends upon which plan they pick and the kind of plan, if they were used to getting it from their employer or comparing his plans. there will be a variation. i know if this june and is going after a platinum plan or a bronze planned. gerri: this sounds like a bold plan, platinum with a little extra. gerri: >> right. but a lot of people will find that in some circumstances it can be unaffordable. gerri: another caller, steven in connecticut. your question? >> i have an aids sa, high deductible hsh, family of five, 48 years old and i pay $470 per month. when on the exchange, and that plan would be a thousand dollars on the bronze planned mi and the dollar difference which means i have to make an extra thousand dollars a month to get that $600

after taxes. i am curious, what is in ac a-compliant plan? that is the reason i cannot keep my current plan. gerri: the jump in. what plans qualify under obamacare? this guy is getting kicked off the face. >> there is a basic benefit package that all a see a complaint plans must have. for a sample, and that coverage of maternity benefits, birth control pills, no caps on payments, no pre-existing conditions, no difference in charges. people of this same age group with pre-existing conditions are not. max out of pocket of 6350 per individual or 12,700 for a family. so it is important to know a lot of people think the only way you can get insurance if you go to the exchanges. >> that's right. >> if your income bracket where you don't think he will be eligible for a subsidy, over

400% of the subsidy level -- poverty level, subsidies drop off steeply. you will get much subsidy to speak of. that is the only reason to go through the exchange because the only way you can get the subsidy is if you get your insurance to the exchange. however, you can get your insurance outside the exchange. unfortunately all the insurance sold must meet the ac requirements. many insurancc companies have chosen not said sell please transfer the exchange. california, united healthcare, aetna, many others are not. gerri: to make a good point. a lot of folks are finding that the big ensures that they expected to see on the exchanges are not there. and we come back more on what qualifies for one of these insurance plans. you need to know those details. thank you for coming on. we will be back in just a moment. we will answer more of your questions including if you can check out obamacare without giving away your private information. did they have to know

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what's in your wallet? ♪ gerri: welcome back to our second special user's guide to obamacare, and tackling the tough questions on "the willis report" because, let's face it, the administration is dropping millions of dollars on advertising this law but have done very little to help you understand it. our panel of experts is back. back for another round. welcome, dr. dimitri old and, a liver and pancreatic surgeon at lenox hill hospital. i want to pick up something from the last block. we were talking about why your plan might go away if you are on @%private plan a you pay for and it is possibly because you are

not getting the essential health benefits that makes it illegal. >> hhs has defined this new classification of the essential benefits which means that you have to be able to get inpatient hospitalization, emergency, maternity, pediatric visits as well as prescription drugs. within those essential benefits for an individual when you b security number at risk. can you take that on? people are worried about the

privacy implications here. >> well, there is reason to be worried. unfortunately the answer is you cannot get the intermission you need without putting your social security number on the internet into their program. so we have heard many reports in recent days have concerns about the security of the information that is being applauded by individuals in today's change websites. so you have to be concerned that the information you're putting up on the website whether your social security number or ultimately your income information, tax returns, all those kinds of vital medical information, you don't know how secure that is. once it is there, is there. gerri: that is a good point. another caller, john from pennsylvania with a question back going to the emergency room . you there? >> i am. gerri: go right ahead. >> yes, prior to obamacare people would go to the emergency room and use it for general health care. it was my understanding that the

cost for those kind paid visits were picked up by other policyholders. under this new system of obamacare it is mandatory to have health care. what happens when those same people uninsured walked into the emergency rooms. gerri: people who are not covered and continue tooget to the emergency room. will they get coverage? would you care for someone who has no coverage at all? >> i think we are obligated to take care of these people because we are practicing. we cannot leave someone in danger, bleeding, dying, without care, especially when we have the means to do that so one thing is covering emergency procedures and emergency care and providing it. those are three different things. as far as providing the emergency care we will continue to provide that the same way we do today.

get up at three in the morning and the emergency surgery whether you have insurance are not. gerri: and a twitter question, will the elderly on medicare and living in nursing homes still be covered their medicare? i get this question every single day. people on medicare are so concerned that there will lose@ money, services. >> this is an important point, as you have talked about. people on medicare is since we will not be affected by obamacare, but those on medicare advantage could potentially expects to pay a little bit more . the premiums could go. under obamacare obviously that down that hole, the classic donut hole under obamacare will be, you know, fill the overtime. but the greater concern for medicare patients will be their restriction of the position that works and also the cost of prescription drugs may go up a little bit.

so if you look specifically at those that are relying on medicare advantage, yes. >> remember that there is a tax and part of the cost savings are being drive from greater efficiencies. gerri: i know a lot of people are concerned about that. it is interesting to hear what you say. we know it is giving less subsidy and support. people of that program. thanks. great job. thank you. sticking around for a little while longer. still to come, back to help me wrap things up. next, a look at what obamacare means for small-business owners. means for small-business owners. stay with us. ♪ to treat my low teosterone, i did my research. my doctoand i went with axiron, the only underarm low t treatment. 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.

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gerri: our phone lines are flooded, and the questions keep coming in. we are doing the best recanted back demand, but we may not get keep calling. our panel of experts back to sift through the confusion. let's welcome back our guests. welcome. i wanted to a small business question. where should a small business owner goes for good coverage? as of january my has been will no longer be able to a beyond my insurance because he is on medicare. does he have to go on to the exchange? >> i think the stage is an option for someone like that. he has said decide how much of a deductible and monthly payment to see waste of his doctors will be participating.

gerri: there are private networks that may qualify. you may be able to look into the private networks. here is a question i know a lot of our viewers are thinking about. any mail from mike in nevada, what will happen to concierge medicine and doctors? i will go to you. you know, we have a system of health care in this country where you don't really use insurance. what happens to the doctors to operate in that system? >> i think with these changes concierge medicine will expand because a lot of people going on the eighth change are limiting themselves with limited coverage. they will be in a position, they will quickly start to understand that their choices are limited, the quality of care is limited. they will seek elsewhere. concierge medicine will prosper and increase.

right now is a sort of a phenomenon for large cities and of the metropolitan areas, but it will start to expand. gerri: doctors would probably prefer it. much less of a headache. allow the people orient their entire practice to this theory let's answer and e-mail question what if i set up on the stains and there are one or more payments to make and market data and do i have to pay the penalty? wow. what do you say? that is a great question. >> if you miss one or more payments there is a 90 day grace time frame. you can actually get three months without making a payment and not pay a penalty. after that you pay the penalty because you basically don't have insurance. gerri: that is a great question. julia and kentucky. this is an e-mail. valleys my job made year, when i qualify for a subsidy based on current income, or will they like an uncomfortable year? this is a question we get over and over again.

if i move to another state can i change my coverage. >> there is cobra implement station. usually is 18 months. not exactly sure if that fits in the situation, but that would be a likely scenario. gerri: available to people who lose their jobs through their typically pretty expensive andt. of course you would not get a subsidy. that would be the concern of a lot of people out there. the schedule and e-mail, frederick in oklahoma. what about those companies that have a three to six month waiting time print before getting it. this is one of the technical details that don't think people who read the law understand. is the company required to offer health care from day one? >> companies are not required to offer health care. @%ere is still the three month waiting time frame, minimum requirement. so there has been a change

there. gerri: good to know. facebook, can you explain how the deductible copays, coinsurance work, anddexplain what extra taxes we pay due to obamacare and how it will affect my age as a? this is one of those questions that is so technical and detailed. because of the eddy that this thing is so complicated that i don't think people really are getting their arms around it yet. are there subsidies for copays, coinsurance, or does the subsidy on the go to be deductible? >> well, it is such a complicated subject that i think it is hard to explain. a lot of people, a lot of doctors are confused, so many regulations. one thing is clear. if you're below the poverty level, you will get your insurance for free. you are about 400 percent the poverty level you are going to pay a lot.

gerri: the devil is in the details. that is for sure. readjust working through them right now, learning and right now.nk thank you. we will be right back. 24/7. i'm sorry, i'm just really reluctant to try new things. really? what's wrong with trng new thing look! mommy'new vacu! (cat screech) you fe that in your mules? i do... drink water. it's a long story. well, not having branches let's us give you great rates and service. i'd like that. a new way to bank. a better way to save. ally bank. your money needsn ally. stick with innovation. stick with power. stick with technology.

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♪ gerri: thank you so much for all of your questions tonight. we were able to get to all of your calls, tweeds, messages. we tried to take as many of the same questions that you were asking obamacare. now we hope to do this again. in the meantime, i will put your questions on the website, gerriwillis.com. the answer is there as well. if you missed any of tonight's show or need more information, please check it out and share it with your family and friends. a tremendous help on this issue, back with us to wrap up. one of the questions we get asked over and over again because we talk about consumer costs all the time, what are the regulatory costs? >> the business sector, you have about 25 billion in compliance costs. state and local governments, another 8 billion, and 127 million paperwork hours. i am sure you have done yours.

gerri: we have a long way to go. big questions tonight about whether this exchange, the government exchanges ever really going to work and what it is going to take. what are you hearing about the repairs to this thing to make it work? >> pedaling as fast as they can, but the fundamental problem is in the architecture. you cannot fix that overnight. this is a band-aid for the near term. gerri: i have to tell you, though, it seems to me that if this had been a private sector initiative, twitter, global, these companies, this would have been a different experience. >> of course. look at the new york stock exchange. that is a private sector exchange it gives people there to make trades. this could have been done the same way. gerri: i appreciate you coming down and helping us with the numbers. once again, just to inform you, people is still trying to sign up on the exchanges tonight. the federal side if you're

a long way to go. they do for being with us. that is it for tonight on "the willis report." have a great evening. ♪ lou: house speaker puts the deal on the table seeking to raise the debt ceiling for ix weeks, and wall street rejoices. a powerful triple digits gain for the dow jones industrials that erased nearly all of the losses since the partial government shutdown began ten days ago. mr. obama makes no determination . i am lou dobbs. ♪ lou: good evening. house republican leaders offered a temporary incrrase in the debt ceiling. in exchange for go