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 obamacare and babying and shaving web sites growing in popularity but are they the goa we help you have the best thanksgiving dinner ever. coming up tonight. "the willis report." gerri: tonight we looked as

solutions to obamacare and the problem is the law has created. especi user's guide to skyrocket a -- rocky premiums implants they've told thecould keep you have heard the litany of problems but tonight ou panel of experts breaks down real strateg is in real solutions and answers. douglas told secant is here chris jacobs cent for policy health studies at george pataki. was on the web site. >> you actually got through? >> of of pages still says u 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 is 8 million americans is this year will be notified their policies are canceled

that is sent to right but they're all are treated as a and exemptions that congress pass when they would ram this through so there is help. gerri: for amerans to have insurance coverage you can keep it. duquesne not to. down, one of the fate this i have been talking about is the kaiser family foundation is known as an expert and they have a calculator on there website you could calculate the subsidies you are eligible for. they use this on the fderal government web site you cannot get on there. [laughter] >> they are exrts it is a good-faith effort to give help but the bottom linis we will have winners and losers the letters will go to kaiser family foundation a juicy it can break it down to something reasonable also

it is not a solution for what had to present a at. the next question is to reduce the for your doct? gerri: the probms go on and off but people tonight knowha mom or dad or somebody in the family that was just c canceled a and what can they get on the federal government web site? if you are 62 year-old woman making a $32,000 peyear. here is what you get from the obamacare web site at a premium of $7,200 a subsidy of 4400 so you pay 3,000 out of pocket. that is $6,300 that is a fair amount of moneys be back for a lot of people premiums have gone up maybe there'll be paying $2,000 with $4,000 deductible now

they pay 3,000ith $6,300 deductible because obamacare is forcing insurance companies to cover other services they have to pay more. >> than a 62 year-old woman is getting maternity services. >> but she still has to pay for it if she doesn't. gerri: private exchanges. private insurance exchanges, is a possible this i a dancer? >> it already is. self insurance were you are not under the heavy hand of obamacare if you are signed up with self insance a lot of times workers don'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 on 50 percent of small business so they should look at this it is more e efficient and less expensive and allows you to tailor the coverage. gerri: what are your criticisms? >> if you are a self -- a small firm's health insurer you take on all the risk if one gets very ill you still have a problem. it is not a panacea but a situation they have been 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 anythg above 5,000 or 10,000 you are covered with a private insurer that the employer ys for.

you could limit their risk estimate thas a good point but the important to peace is it tailored it is what obamacare does not let you tailor it to your circumstances the biggest difference between private republican approach. gerr people want to see private sector solutions they don't want to be with the government program. what else 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 lemonade out of beloved choose the analogy. >> on how they may not be available in would be difficult to get doctors and

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

have to get ur own coverage, find a doctor with the hospital they allow you to use, people say how can i look out for myself? i have spent jockeyed of what still some weeks that see what should i be werkeo to protect myself? >> we will see more personalized madison because of the harnessing of the human genome to be tailored you see that with the problem is obamacare tries to put the one size fits all solution. >> no question. one of the sad alternatives is to be amall business with fewer than 30 workers why we're not seeing him plugging grow part-time

workers held at 29 you are out from obamacare. there has to be a better w >> hope we can find that. gerri: you are sticking around as the solutions continue and we will talk out the politics surrounding the law and what washington can do now. in the meantime go to gerri willis.com. willis.com. individual solutions you really love, what would youo?" ♪ [ woman ] i'd be a writer. [ man ] i'd 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 could pay you and what if that person were you? ♪

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it's a long story. let's us give you wellgreat rates and seice. i'd like that. a new way to bank. a better way to save. allyank. your money needs an ally. 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 pblem with the website. 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 bipartisan basis and tell it is working real well then they will stop callg and obamacare. gerri: our panel is back.

and from the center of health policy studies thank governor pataki is that in go taste? ltd. is pathetic he is laughing at a problem that millions of americans have bid 10 million more will have. it doesn't just have colbert problems it is flawed. itill not work they can try to tax par of it but ultimately they have to take a look amir to say we rewed up we finally read it we have to go back to e drawing board. rri: he apologized last night. >> i am sorry that they are finding themselves in this situation based on assurances they got from the. >> that is as close to an apology will ever get from this president. 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 does cover kirch feelings? said he is sorry if you're hurt the league's but not for making the promises. >> have a webte still promises you could keep your coverageut they cannot fix the whole page of the web site?

how to the fix the web site? >> they can't they cannot fix the law. , the tides to buy securities they this was a bad bill? they do they we're doing back. gerri: here is what the president said. >>. >> i have been burned already with the web site or more apart the the of people have the verge. >> he still has his health care but whaabout the 6 year-old will get? i don't feel sorry for the president. >> i just want to echo. the american pple have a problem they paid for a website that doesn't ork about may vy well not be

secure and once it is working they still have a bad lot it is nonetheless the matter. gerri: why don't they delayed t mandate for one year? check the people need relief even if they get the web 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 south carolina cabana the eligibility. gerri: in washington is the same state. [laughter] your information is not safe such you really want to us it? >> flying down to the president. >> she knows that he is that travel in the louisiana and she is running next year.

then every major social issue advanced in a bipartisan way except obamacare this was the signature of the democratic majority with the catastrophe they have too old at what themto see that runaway. gerri: date sapir said the chief technology officer for the what will they learn? iraq fifth security testing. the have been concerns about the security of the web site. there is somendication as they do there was a problem of at the lunch were their secuty concerns?

why did you go ahead? e web site may be fixed but that is a lasting judgment call. gerri: as a you say not only did they know a bunch of people would lose their coverage but they also do there was security problems? >> the administration and said they'd never did end to end testing and last week it seemed fine in this would never have the baby because the people ascii for her resignation as she does not work for them s she doesn't care but the people the to go this website is secure before they pert -- but if the social security numbers to back the chinese will go more of the americans they have the nsa. 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 records more is there a 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. don't go away. mine was earned orbiting the moon in 1971. afghanistan in 2009. on the u.s.s. saratoga in 1982. [ male announcer ] once it's earned, usaa auto insurance is often handed down from generation to generation because it offers a superior level of protection and because usaa commitment to serve current and former military members and their families

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gerri: "users guide to obamacare" continues tonight with t inepth look at the massive cost of this law that small businesses even the system itself could the cost craig the whole system down? it introduced the floor from the "wall street journal." about me with this. the price tag on eight we were originally told in 2013 over ted years is 1.8 trillion how ds that have happened? why is there such a big boost? >> douglas is the one who bridges the numbers ihink it is voodoo. weave talked for weeks

about the fact the promise is broken and if you want your health care you could keep it but here is the bigger lie the idea this will pay for itselfnd will not blow a hole in the deficit and reeler the opposite. people are not citing up to subsidize but you can see a massive cost. one of the biggest cost ofhe detrimental impact is what of e reasons you see therice tag go up. a lot of people who are unemployed logger than anyone projected and obamacare raises the price tag. if we get past the starter problems there is no chance

it will add up but the premiums are too high and dead in that end we don't get 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 tap have the president said yesterday that he wants to put even more subsidy money onhe table. >> exactly in addition to promise a you can keep your plan but did in 2008 president or a caidate 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 four or five times what he promised not county if you kids get a waiver or if they have to subsidized or four employers decide to drop coverage it is a lowball estimate. gerri: and so a big announcement from kathleen sebelius earlier today talking about adding mental-health. [laughter] so she says there should be parity between carriage of mental-health issues and physical ailments. if i break my arm sixth avenue 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 same? the cost is different.

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

kolff service with a lack ofccess. said it there are some elements like diabetes better chronicler better similar to a mental health so they try to establish parity but the key point is why do we add more benets to the one size fits all package? that is what is wrong with this from the insurance point of view. gerri: last word what is the biggest problem? >> the benefits a of that there are incentives to put more people in the kirk combined with the problems of medicare/medicaid social security is a recipe for disaster. gerri: you were on capitol

hill did you see it? >> don'tay we didn't try to warn yo 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. coming 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 stories from the week a look at a genetic testing can change your life after the break. [ male announcer ] did you know that if you wear a partial, you're almost twice as likely to lose your supporting teeth? try poligrip for partials. poligrip helps minimize stress which may damage supporting teeth by stabilizing your partial. care for your partial.

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gerri: welcome back.

finding answers to coping with obamacare is not easy on a personal level a can be intimidating. or scary for the 5 million people who have had their health insurance 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 doctore around next year? the year after that? what about your hospital? will your insurer paid for you to go there or had chosen at cheaper facility? theurden 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 that leaves 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 ta your dna to break down into percentages of your ancestors who are mostly european said tuesday a big chunk fr great britain or ireland. we do this for europe and africa and asia allver the world. gerri: 40-point 5% british irish got a surprise i had no idea a big reveal for be by an asterisk for liac? >> you are at a very significant increased risk

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

you create designer babies? >> wefiled the patent to help people understand when two people think about having a child what the chances are it would have certaitrades like eye color could the child have blue? it is a tool to understand how genetics are passed down to the next generation. gerri: title lot of you are larry but think of it this way you could learn something about yourself to low 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 good service. bows story sure click jake on the unexpectedly strong

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gerri: we had serious topics now switching gears the jilted is causing revenge websites to surge of popularity one of them she is a home wrecker.com gives women the average 32 anonymously day more shave their boyfriends but is a legal? we have a partner from duncan and hunter law firm from 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 itets tricky is not for the service itselfut the people who areosting there posting dates that are not true or they'd 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 the person individually who is

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

the individual as oppose to the network or individual service provider who have the deep pocket. it is a real problem and baby to be addressed. >> also the ultimate defense is is it true? but if they live said you talk about defamation and slander. you haveto 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 cause of action but if they keep the proliferats anonymous and then how do you know, who to go after that could lead to lawsuits ainsthe provider in the web site to force them to disclose who these peoplere. gerri: ed you agree to much. forget the legal credentials.

what the state of this public baby an >> it is 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 mindederson does not want to see their dirty launy for the whole country. that doesn't need the person who did the cheating is right but use this forum it is a statement had although our ciety could be to let this stuff go on. should be of awful but how does that happen? >> good lot. >> that will not happen and that divorce cour any judges sees that you try to

shave your husband or wife i know the key will be very sympathetic. >> the only other side it worth is that if people know they could be shamed into teacher their behavior? >> this has ben 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 heard that. either would you agree you are still flood has always. is it okay to publicly blame and shame? log on and vote on the right-hand side of the screen and still to come my $0.2 just 20 days away from the best family day of t year and we have tips from

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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 everyday english.

you did dodd/frank me one? [laughter] >> it is on its way. as a chef is the a better holiday 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 am from nort 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 faaily and friends around then bring dishes over then you feel obligated make everything the dishes in the cranberry but

then there is the cleanup that is the fun part. gerr thais what the husband is for. >> for their kids but thanksgiving food taste better the day after so start cooking a couple of days ahead of time. gerri: nothing worse than have a room full 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 theides i love turkey. but the fund vegas to play with are the cranberry relish, a turn ups gerri: they are boring

speech you can roast them more at chedda cheese or maple syrup or not they can and spices to make them different but as far as what else goes on and with th turkey and i love billy so i will put white truffles that is extensive. gerri: i will delay of this year. >> wld every like. we have done a vegetarian and turkeys, squash, ham, bacon stafaide for your lamb. something find and different they doubt the fed achieves. gerri: if you could get there about 2:00 that would be great.

>> we will diver it to your house. >> great to information and. >> and not even without pie it does not have to be homemade. according to e 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 ev strawberry rhubarb. number one is apple the all-american and desert the favorite of 20 percent of

families and historians found apple pie 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 right back with the question of the day is it okay to publicly baby and a sham like digest did? mine was earned orbiting the moon in 1971. afghanistan in 2009. on the u.s.s. saratoga in 1982. [ male announcer ] once it's earned, usaa auto insurance is often handed down from generation to generation because it offers a superior level of protection and because usaa's commitment to serve current and former military members and their families is without equal. begin youregacy. get an auto insurance quote. usaa. we know what it means to ser. 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 you - safety is at the heart of everything we do. we've added cutting-edge technology, like a new deepwater well cap and a state-of-the-art monitoring center, w experts watch over all drilling activity twenty-four-seven. and we'reharing what we've learned, so we can all produce energy morsafely. our commitment has never been stronger. if y breathing's hard.e me, know the feeling? copd includes emphysema and chronic bronchitis. spiriva is a once-daily inhaled copd maintence treatment that helps open my obstructed airways for a full 24 hour spiriva helps me breathe easr. spiriva handihaler tiotropium bromide inhalation powder does noteplace fast-acting inhalers for sudden symptoms. tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. these may worsen with spira. discuss all medicines you take, even eye drops.

stop taking spiriva and seek immediate medical help if your breathing suddenly worsens, yo throat or tongue swells, you get hives, vision changes or eye pain, or problems passg urine. other side effects include dry mouth and constipation. nothing can reverse copd. spiriva helps me breathe better. does breathing with copd weigh you down? don't wait to ask your ctor about spiriva. we are the thinkers. thb jugglers. the up all-nighters. anthe ones who turn ideas into action. we've made our passions our life's work. we strive for the moments where we can say, "i did it!" ♪ we are entrepreneurs who started it all... with a signature. legalzm has helped start over 1 million businesses, turning dreamers into business owners. and we're here to hp start yours. it's not the "limit the cash i earnvery month" card.

it's not the "i oy earn decent rewards at the gas station" card. 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. this is the quicksilver ca from capital one. unlimited 1.5% cash back on eve purchase, everywhere, every single day. so ask yourself, what's in your wallet? gerri: earlier this hour, debate on homewrecker websites and if itis legal. is that okay? we asked the question on gerriwillis.com. 53said yes and 47% said no. be sure to log on to onto gerriwillis.com for our online question eve weekday. and finally tonight, we have done our best to come up with solutions tonight for obmacare.

other ways to get health care insurance, i'm going tt review a coup of them right now. the kaiser family oundation have the calculator on their website that can help you figu out wheth 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 alk about extending your current coverage. it's possible that you are in sure will allow you to extend your policy 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 emerge and may be a solution. keep watching "the willis report." we'll tell you about the changes coming up. that is my "two cents more." we will bring you a users guide to shopping. nextweek. the best deals to the holiday season. again, the users guide on shopping starts monday and goes

all week long. that's it for"the willis report." dvr our show if you can't catch a fly. neil: here you go. >> am sorry in this situation based on assurces they got for me. the one he is sorry but that doesn't mean he is taking anything back now. d he is fixing it on-the-fly. a look at how that is creating a bigger fly-by-night situation. welcome, i am neil cavuto. the president has a echie