off the of health insurance dole. it will be huge. neil: i appreciate it. that will do it. have a nice weekend. gerri: two nights of "the willis report." the solution to obamacare we take an "in-depth" look at what you can do for your health care in the age of obamacar and babyingnd shaving web sites. growing in popularity but are they the goal? we help you have the best thanksgiving dinner ever. coming up tonight. "the willis report." gerr tonight we look as

solutions to obamacare and the problem is the law has created. especial user's guide t skyrocket a -- rocky premiums implants they've told they could keep you have heard theitany of prlems but tonight our panel of experts breaks down real strategy is in real solutions and answers. douglas told secant is here chris jacobs center for policy health studies at george pataki. i was on the web site. >> you actually got through? >> of of pages still says you can keep your insurance policy if you want to. >> rita l. that's not true of the president just apologize about that and the fact 8 million americans is this year will be notified their policies are canceled.

they're all are treateds and exptions that congress pass when they would ram this through so there is help. gerri: for americans to have insurance coverage you can keep it. duquesne not to. down, one of the fate this i have been talki about is the kaiser family foundation is known as an expert and they hav aalculator on there website you could calculate the subsidies you are eligible for. they use this on the fderal government web site you caot get on there. [laughter] >> they are experts it is a good-faith effort to give help but the bottom line we will have winners and sers the lettersill go to kaiser family foundation a juicy it can break it down

to something reasonable also it is t a solution f what had to present a at. the next question is t reduce the for your doctor? gerri: the problems go on and off but people night know that mom or d or somebody in the family that was just canceled a an what can they get on the fedel governnt web site? if you are 62 year-old woman king a $32,000 per year. here is what you get from the obamacare web site at a premium of $7,200 a subsidy of 44 so you pay 3,000 out of pocket. that is $6,300 that is a ir amount of mone be back for a l of people premiums have gone up maybe there'll be paying $2,000

with $4,000 deductible now they pay 3,000 with $6,300 deduductible because obamacare is forcing insurance companies to cover other services they have to pay more. >> than a 62ye-old woman is getting maternity services. >> but she still has to pay r it if she doesn't. rri: private exchaes. private insurance exchanges, is a possible this is a dancer? >> it already is. self insance were you are not under the heavy handf obamacare if you are signe up with self insurance a lot of times workerson't even know. you have no rules or penalties of our taxes of obamacare but for small businesses to join 60% of large business and 80 percent of the unions get it through a self insurance

for only 50 percent of small business so they should ok at this it is more e efcienand less expenve and allows you to tailor the coverage. gerri: what are yr iticisms? >> if you are a self -- a small firm's health insurer you ke on allhe risk if one gets very ill youtill have a problem. it is not a panacea but a situation they have en cahow forced into trying to find any shelter. >> governor? >> there is an option if you are a small business you don't want to assume the risk of somebody gets a serious illness you have to pay 200,000 is a you can get insurance anything above 5,000 or ,000 you are covered wh a private insurer that the employer pays for.

you could limit their risk estimate that's a good point but the important to peace is it is tailored it is what obamacareoes not let you tailor it to your circumstances the biggest difference between private republican approach. gerri: peop want to see private sector solutions they don't want to be with the government program. what ee is emerging? >> private exchanges are out there and health insurance is an option of. pieces like clinics that have ready access to care. but to put the lipstick on the big board make lemonad out of beloved choose t anogy. >> on how they may not be available in would be

difficult to get doctors and was searchingor a solution because i hear from people from medicare to say i am really worried wil lose my doctor over time that they will work with people who are really wealthy. i think these people should see whatheir plans are to major's. >> if they can get a doctor to enter the phone. middle-class it is hard to do. just aan example 82% a and ucky signed up for medicaid there might not be enough doctors. gerri: what can we do about that pblem of? >> if you have private markets we offer by a having a higher wages and attracting peopl died here is the low reimbursement rates to medicaid to save with the obamacare exchange. they are the medicaid of the future that is not a solution. gerri: out it is on view.

have to get your own coverage, find a doctor with the hospital they allow you to use,eople say how can i look out for mysel i have spent jockeyed of what still some weeks that does dna teing to look to see what should i be werke to protect melf? >> we will see more personalized madison because of the harnessing of the human genome to be tailored you see that with the problem is obamare tries tout the one size fits all sotion. >> no question. one of the sad altnatives is to be a small busiss with fewer tn 30 workers why we're not seng him plugging grow part-time

workers held at 29 you are out from obamacare. there has to be a better way >> hope we can findnd that. gerri:ou are sticking around as the solutions continue and we will talk about the politics surrounding the law a what washington can do now. inhe meantime go to gerri willis.com. willis.com. individual solutions this is the quicksilver cash back card from capil one. it's not the "lit the cash i earnvery mth" card. it's not the "i only ea decent rewards at the gas stationcard. it's the no-games, no-signing up, everyday-rewarding, kung-fu-fighting, silver-lightning-in-a-bottle, bringing-home-the-bacon cash back card.

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t several comeback to an hour to find real solutions to the problems created under law problems that the president today made a light touch did his p.j. louisiana >> we had this problem with e website. i am not happy about that i want to fix it myself but i don't write code. there will only be so much support we get on that on a bipartis basis ad tell it is working real well then they will stop calling and obamacare. gerri: our panel is back.

and from the center of health policy udies thank governor pataki is that in good taste? ltd. is pathetic he is laughing at a problem that millions ofamericans have bid 10 million more will have. it doesn't st have colbert problems it is flawed. it will not work they can try to tax parts of it but ultimately they have to take a look amir to say we screwed up we finallyead it we have to go back to the drawing board. rri: he apologized lt night. >> i a sorry that they are finding themselves in this situation based on assuraes they gotrom the. >> that is as close to an apology willver get from thisresident. he is not noted for his

modesty and i really think this will come back to haunt him. it a forceful way he did promise people he keep their plan or keep their doctor. it is not true but the governor is right that is not the only problem the more you dig the more problems you will find that is the taliban problem. gerri: now at the back and read the website tries to communicate with providers. >> it is interesting obamacare doesn't let you keep your health coverage it do cover kirch feelings? said he is sorry if you're rt the league's but not for making the promises. >> have a website still promises you could keep your coverage but they cannot fix the whole page of the web site?

how to the fix thweb site? >> they can't they cannot fix the law. the tides to y securities they this was a bad bill? they do they we're doing back. gerri: here what the presidt said. >>. >> i have been burned already with the web site or more apart the the people have the verge. >> he still has his health care but what about t 65 year-old will get? i don't feel sorry for the president. >> i just want to echo. the american people have a proble they paid for a website that doesn't ork about may very well not be

secure and once it is working they still have a bad lot it is nonetheless the maer. gerri: why don't they delayed the mandate for one year? check the people need relief enf they getheeb site working a constituent from north carolina came to us last week and with personal information and from another person applying for coverage that disclosed tim a north carolina man received a sth carolina cabana the eligibility. gerri: in washinon is the same state. [laughter] yo information is not saf such you really want to o us it? >> flying down to president. >> she knows that he is that travel in the louisiana and

she is running next year. thenvery major social issue advanced in a bipartisan wayxcept obamacare this was the signature of the democratic jority with the catastrophe they have too old at what them to see that runaway. gerri: date sapir said the chief technology officer for the what will they learn? iraq fifth security testing. there have been concerns abouthe security of the web site. there is some indication as they do there w a problem of at the lunch were their security concerns?

why did u go ahead? the web site may be fixed but th is a lasting judgme call. gerri: as a you say not only did they know a bunch of people would lose their coverage but they ao do there was security problems? >>he ainistration and said they'd never did end to end testing and la week it seemedine in this would never have the baby because the people ascii for h resignation as she does not work for them so she doesn't care but the people the to go this website is secure befo they pert -- butf the social security numbers to back the chinese will go more of the americans they have the nsa. i guarantee there is a little phial of everybody.

>> it is absurd. it is funny except it is tragic. >> the irs the social security administration it is not just my number but a weak point in the security of u.s. records criminals pay more for health care rerds mores there social security number and there it is to be had. will be back after the break looking at more solutions to the rise a cost of obamacare. obamacare. don't go away. when we made our commitment to the gulf, bp had two big goals:

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gerri: "usersuide t obamacare" continues tonit with the in dth lookat the massive cost of this law that small businesses even the system itself could the cost craig thwhole system down? us bring back our guest. it introduced the floor from the "wall street journal." about me with this. the price tag on eight we were originally told in 2013 overed yearsis 1.8 trillion how does that have happened? why is there such a big boost? >> douglas is the one who idges the numbers i think it is voodoo.

we have talked for weeks about the fact the promis is broken and ifou want your health care you could keep it but here is the bigger lie the idea this will pay for itself and will noblow a hole in the deficit and reeler the opposite. people are not citing up subsidize but you can see a masse cost. >> one of the biggest cst of the detrimental impact is what of the reasons you see the price tag go up. a lot of people who are unemployed logger than anyone projected and obamare raises the price tag. if we get past the srter problems there is no chance

it will add but the premiums are too high and dead in tt end we don't t much of a program. the store famine nothing in between. gerri: and i think the real fear is the program goes top-seeded billions of people inside that said we have a huge ta have the president said yesterday that he wants to put eve more sbsidy moneyon the table. >> exactly. in addition to promise a you can keep your plan but did in 2008 president or a candidate obama said it would cost 50 or 60 million per year when fully implemented the commercial budget office says 2023 it will cost $250 billion for

the subsidies. that is fourr five tis what he promised not county if you kids get a waiver or if they have to subsidiz or four employers decide to drop coverage it is a lowball estimate. rri: and so a b announcement from kathleen sebelius earlier today talking about adding ment-health. [laughter] so she ss the should be parityetween carriage of mental-health issues and physical ailments. if i break my arm on sixth enue i will see a doctor who wwll fix ann it is over. therapy is once a week over years. how do you make them the sa? the cost is ffert.

>> you talk to all major new crosstree already know that obamacare is basic plan is much more important one dash expensive than people thought. they will continue to add benefits. if it ever gets off the ground. every american a once their own health plan. like kiwi be a society to pi and choose? why do we do one-size-fits-all? i do not the maternity care. [laughter] gerri: tell me something intelligent about the mental health benefit i understand but psychiatrists do not work to work for this kind of money that medicare and medica services do.

>>hat is betwee the meta kolff services with a lack of access. said it the are some elements like diabetes better chronicler better similar to aental health so they try t establish parity but the key point is why do we add more benefits to the one size fits all package? that is what is wrong with this from the insurance point of view. gerri: last wor what is the biggest problem? >> the benefits a of that there are incentives to t more people in the exchange's so he put them with a government benefit kirk combined with the problems of medicare/medicaid social security is a recipe for disaster. gerri: you were on capol

hill did you see it? >> don't say we didn't try to warn you but the regulations in three years ago said you cannot keep your plan but now people our just waking in up to the reality. gerri: stake you so much. we appreciate your time. comi up we will switch gears for current legal panel weighs in on a new trend of public they began shaving. added next one of the most important storiesrom the week a look at a genetic testing can change your life after the break. @??

gerri: welcome back.

finding answers to coping with obamacare is on a personal level a can be intimidating. or scary for the 5 million people who have had their health insance canceled but the risks our bigger than back getting affordable care you can have confidence in it is more difficult for ever but a. will your doctor be around next year? the ar after that? what about your hospital? will your insurer paid for you to go there or had chosen atcheaper facility? the burden of responsibility is shifting to you. you have to make sure you get the care they you need and deserve. under obamacare is shifty to protect itself thatves you on your own. we have been talking about solutions than one shortcut or one solution that i thought that may interest

you is a web site that is a dna test a web site. gerri: i was blown away. surprise. ancestry affirmation. >> we have a schoolteacher called the ancestry composition we can take your dna to break down into perctages of your ancestors who are mostly european said tuesday a big chunk from great britain or ireland. we do this for europe and africa and asia all over the wod. gerri: 40-point 5% british irish got a surprise. i had no idea a big reveal for be by an asterisk for celiac? >> you are at a very significant increasedisk

thatis a profound included allergies of misinformation you can share with your doctor some people don't know they have a and genetics plays a big role. gerri: i am already taking steps that it hhs made a $95 but you could get pay deprivation that could really help you. the other thing that i have to put in my medical records out a drug respse. >> you are hypersensitive to a blood -- a blood thinner you would require a much lower dose so this is important innovation to share with your doctor because you could have the adverse side effect. gerri: is a you made i could lead out in a situatio. that is critically important lots of questions today when you are a did a bad bet if

you create designer babies? >> we filed the patent to help people understand when two people think about having a child what the chances are it would have certain trades like eye color could the child have blue? it is a tool to understand howgenetics are passed down to the next generaon. gerri: title lot of you are larry but think of it this way you could learn something about yourself to allow you to prevent a problem down the road salt a health problem before it happens. i did and it is worth thinking about. to the twitter follower who suggested that i am getting paid to promote their service. don't i wish? go. i am not being paid i just think it is a goodervice. bows story sure click jake on the unexpectedly strong

and a ender report gives the stock a lift to does have investors wondering what is need for the stimulus program? adding 204,000 last month for august and september than previously been reported perpetrators stock after soal networks had a smooth public debut add 26 long dash tired of the 26 ipo price. yesterday the guest predicted a sell-off but today the dawdles sales edged up the biggest company is credited for a limited time offs like the mighty wings and puckett coffee. city and state officials have pursued bankruptcy but the city says it is the last resort the city filed in july. those are some of fostoria's

right now. when we come back celebrity chef is year and ben and women getting their revenge she is a home record dhaka. is a legal? stay with us.

gerri: we had seris topics now switching gears the jilted is causing revenge websites to surge of popularity one of them she is a home wrecker.comives women the average 32 anonymously day more shave their boyfriends but is a legal? we have a partner from duncan and hunter law firm fr new orleans.

and/or fox news legal analyst. >> it is legal for the sir they are covered by the committee said decency act of the servers can put on whatever they want but where it gets tricky is not for the service itself but the people who are posting there posting dates at are not true or they make it public about private tax they babies sued for defamation. gerri: is this legal? back at a rare opportunity but i agree. it is a shock. the truth is that theoretically it is legal but people could say phase and tuesday's letter so a rages that there rigby an attempt to reach through that to go out after t person individuallyho is

doing the reporting or saying that they this -- bad status. gerri: is appalling. this isnot some place you want to spend a lot of time. so there isiable, defamati, a slander? >> it applies with the divorce court because in all comes out. you posted this then the of bloodyhe wife who does this to the husband fair disclosure now oocyte called he is a home wreck.com. >> but it does remind people but to have it splattered all over the internet is a problem and lawyers to break these types of cases will not be attracted togo after

the individual as opposed to the network or individual service provider who have the deep pocket. it ia real problem and baby to be addressed. >> also t ultimate defense is is it true? but if they live said you talk about defamation and slander. you have to prove it. >> some states do have the invasion of privacy laws just the fact it is on there even if it is true could have a causeof action but if they keep the proliferators anonymous and then how do you know who to go after that could lead to lawsuits against the provider in the web site to force them to disclose who these people are. gerri:d you agree to much. forget the legal credentials.

what the state ofthis public baby and shaving? >> it wrong and horrible and discussed thank. anybody that stoops to that level is not kosher in my book. >> is definitely not kosher we agree again but i cannot help that but any fair minded person does not want to see their dirty laundry for the whole country. that doesn't need the person who did the cheating is right but use this forum it is a statement hadalthough our society could be to let this stuff go on. should be of awful but how does that happen? >> good lot >> thatill not happen and that divorce cour any judges sees that you try to

shavyour husband or wife i know the key will be veryy sympathetic. >> the only other side it worth is that if people know they could be shamed into teacher their bevior? >> this has been going on since before the internet. >> but they had to find some think. [laughter] gerri: have flooded new orleans. >> i am here for work. gerri: we heardhat. either would you agree you are still flood has always. is it okay to publicly blame and shame? log onandote on the right-hand side of the screen and still to come my $0.2 just 20 days away from year and we have tips from

one of the best shops out there, todd english. next. as a business owner, i'm constantly putting out fires. so i deserve a small business credit card with amazing rewards. with the spark cascard om capital one, i get 2% cash back on ery purchase, every day. i break my back around here. finally soone's recognizing me with unlimited rewards! meetings start at 11, cindy. [ male announcer get the spark business card from capital one. choose 2% cash back or double miles on every purchase, every d. what's in your wallet? i need your timesheets, larry!

gerri: from spending time with loved ones to the macy's parade there are plenty of reasons to love thanksgiving but the food is the mania event here to his secrets is celebrity chef todd english author of cooking in everyy english.

you did dodd/frank me one? [laughter] >> its on its way. as a chef is there a better holiday i is all the wonderful things the net in the air and you feel like eating and going for it. i am not from here. i fronorth carolina and people here got out to dinner on thanksgiving? the tradition is at home. >> i am happy with three restaurantsn the city but i agree. i love to cook. get the faly and friends around then bring dishes over then you feel obligated to mke everything the dishes in the cranberry but

then there is the cleanup that is the fun part. gerri: that is what the husband is for. >> f their kids but thanksgiving food taste better the day after so start cookg a couple of days ahead of time. gerri: nothing worse than have a room fll of people and you are not ready. what is your ideal thanksgiving meal? what would be the best deal ever? >> every year to meet it is about the sides i love turkey. but the fund vegas to play with are the crberry relish, a turn ups. gerri: they are boring

speech you can roast them more at cheddarheese or maple syrup or not they can and spices to make them different bu as r as what else goes on and with the turkey and i love billy so i will put white truffles that is extensive. rri: i will delay of this year. >> would every like. we have done a vegetarn and turkeys, squash, ha, bacon staff aide for your lamb. something find and different they doubt the fed achieves. gerri: iyou could get there about2:00 that would be great.

>> we will deliver it to your house. >> great to informion and. and n even without pie it does not have to be homemade. according to the npr survey one quarter by there is at the store. which tops of by are the most popular? >> blueberry. wide out of ted service and it is popular in made. number for gerri. number three punt again. 60 percent say it as the place of the table. number two's strawberry or even strawberry rhuba. number one is apple the all-american and desert the favorite of 20 percent of

families and historians found applpie going back to the 14th century. my mother-in-law makes cherry and apple if you choose the apple she says what is wrong with the cherry? we'll be rig back with the question of the day is it okay to publicly baby and a okay to publicly baby and a sham like digest did? you really love, what wou you do?" ♪ [ woman ] i'd be a writer. [ man ] i'be a baker. [ woman i wanna be a pie maker. [ man ] i wanna be a pilot [ woman ] i'd be an architect. what if i told you someone cod pay you and what if that person were you? ♪ when you think about it, isn't that what retirement should be, paying ourselves to do what we love? ♪ help the gulf when we made recover and learn the gulf, bp from what happened

so we could be a better, safer energy company. i can tell y - safety is at the heart of everything we do. we've added cutting-edge technology, i can tell y - safety is at like a new deepwater well cap. and a state-of-the-art monitoring center, whe exper watch over all drilling tivity twenty-fo-seven and we're sharing what we've leaed, so we can all produce energy more safely. our commitment has never been stronger.

gerri: earer this hour, debate on homewrecker websites and if it is legal. is that okay? we asked the question on gerriwillis.com. 53% said yes and 47% said no. be sure to log on to onto gerriwillis.com for our online question every weekday. and finally tonight, we hve done our bes tocome upwith solutions tonight for obamacare.

otherways to get health care insurance, i'mgoing tt review a couple of them right now.. the kaiser family fondation have the calculator ontheir website that can hlp you figure out whether you are eligible for subsidy them what you can expect to pay. do not forget the limit on out-of-pocket costs. check out this website. and talk about extending your current coverage. it's possible that you are in su will allow you to extend your policicy for another 12 months. and it couldn't hurt to get procedures and test on now instead of later. some good news tonight, private exchanges are beginning to erge and may be a solution. keep watching "the willis report." we'lltell you about the changes coming up. that is my "two cents more." will bring you ausers guuide to shopping. next week. the best deals to the holiday season. again, the users guide on shopping starts monday and gs

all week long. that's it for "the willis report." dvr our show if you can't catch a fly. ♪ ♪ gerri: lou: present obama is being have to fix the failing website. today, sggesting the product has not ended. the polls show the very people obamacare is aimed at do not seem interested in buying health care insurance from the president exchanges. i am lou dobbs. ♪ ♪ lou: good evening, everyone. uninsured were supposed to be the big winners when obamacare rolled out. but a brand-new galup poll so that an overwhelming majority of the uninsured haven't so much as log onto health