theradio show every weekday 3:00 to 6:00 p.m. eastern. we'll have another great tv show r you next week on fox business. in the meantime, join me on the radio. gerri: two nights of "the willis report." the solution to oamacar we take an "in-depth" look at what you can do for your health care in the age of obamacare and babyin a shaving web ses. growing in popularity but are they the goal? 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. especial user's guide to skyrocket a -- rcky premiums implants they've told they could keep you have heard the litany of problems but tonight our panel of exper breaks down real strategy is in real solutionand answers. douglas told secant is her chris jacobs center for policy health studies at george pataki. i was on the web site. >> you actually got thrgh? >> of of pages still says you can keep your insurance policy if you wanto. >> 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 al are treated as a and exemptns that congress pass when they would ram this through so there is help. gerri: for americans to have insurance coverage youan keep it. duquesne not to. down, one of the fate this i have been talking about is the kaiser family foundatio is known as an expert and they have aalculator on there website you could calculate the subsidies you are eligible for. they use this on the federal government web site you cannot get on there. [laughter] >> they are experts it is good-faith effort to give help but the bottom line is we will have winners and losers the letters will go to kaiser family foundaon 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 qstion is to reduce the for your doctor? gerri: the probms go on d off but people tonight know that mom or dad or somebody the family that s just canceled a and what can they get on the federal government web site? if you are 62 year-old woman making a $32,000 per year. here is what you get from the obamacare web site at a prium of $7,200 a subsidy of 4400 so you pay 3,000 out of pocket. that is is a fair amount of moneys be back for a lot of people premiums have gone up maybe there'll be pang $2,000 with $4,000 deductible now

they pay 3,000 with $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. >> bushe still has to pay for it if she doesn't. gerr private exchaes. private insurance exchanges, is a possible this is a dancer? >> it already is. self insurance were you ar not under the heavy hand of obamacare if you are signed up with self insurance a lot of tis workers don't en know you have no rules or penalties of our taxes of obare 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 peenof small business so they should look at this it is more e efficient and less expensive and allo you to tail 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. >> govern? >> 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 t pay 200,000 is a you can get insurance anything above 5,000 or 10,000 you are covered with 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 obamacare does not let you tailor it to your circumstances the biggt difference between private republican approach. gerri: 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 a

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 canet a doctor to enter the phon middle-class it is hard to do. just as an example 82% a and kentucky signed up for medicaid there might not be enough doctors. gerri: what can we about that problem of? >> if you have private maets we offer by a having a higher wages and attracting people died here is the low reimbursement rates t medicaid to save with the obamacare exchange. they are the medicaid of th 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, people say how can i look out for myself? i have spent jockeyed of what still some weeks that does dna testg to look to see what should i be werke 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 a small business with fewer than 30 workers why we're not seeing him plugging gw part-time workers held at 29 you are

out from obamacare. there has to be a better way >> hope we can find that. gei: you are sticking around as the solutions contue and we will talk about the politics surrounding the law and what washington can do now. in the meantime go to gerri willis.com. willis.com. individual solutions when we made our commitment to the gulf, bp had two big goals: recover and learn from what happened so we could be a better, fereny i can tell you - safety is at the heart of everything we do. we've added cutting-edge technology li a new deepwater well cap and a state-of-thert monitoring center, whe experts

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nothing can reverse copd. spiriva helps me breathe better. does breathing with copd weigh you down? don't wait to ask your doctor about spiriva. 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 the website. i am not happy about that i want to fix 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 workingeal well then they will stop calling and obamacare. gerri: our panel is back.

and from the center of health policy studies thank governor pataki is tha in good taste? ltd. is pathetic he is laughing at a problem that millions of americans have d 10 million more wl have. it doesn't just 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 finally read it we have to go back to the drawing board. gerri: he apologized last night. >> i am sorry that they are finding themselves in this situion 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 thi

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 makin the promises. >> have a wsite 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 ey cannot fix the law. the tides to buy securities they this was a babill? 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 e of people have the verge. >> he still has his health care but what about the 65 year-old will get? i don't feel sorry for the president. >> i just want tocho. the americ people have a problem they paid for a website that doesn't ork about may very well n be secure and once it is

working they still ha a badlot it is nonetheless the matter. gerri: w don't they delayed the mandate for one year? check the people need relief even if they get the web site working a constitut from north carolina came to us last week and with person information and from another person applying for coverage that disclosed m a north carolina man received a south carolina cabana the eligibility. gerri: in washington is the same state. [laughter] your information isot safe such you really want to use it? >> flyg wn to the esident. >> she knows that he is that travel in the louisiana and she is rning 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 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 about the security of the web site. there is some indication as they do theree w a proble of at the lunch were their security concerns?

why did you go ahead? the web site may fixed but that is a lasting judgment cal. gerri: as a you say not only did they knoa bunch of people wouldlose their coverage but they also do there was security problems? >> the adminisation d said they'd never did end to end testing and last we seemed fine in this would never have the baby because the people ascii for her resignation as she does not work for them so 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 th chinese will go more of the americans they havehe nsa. i guarantethere 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 payy more for health care records more is there a social security number and therit 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. my customers can op around-- see who does good rk and compare costs. it doesn't usually work that way with health care.

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gerri: "usersuide to obamacare" continues tonight with the in depth look at the massive cost of this law that small businesses even the system itself cod the cost craig the whole system down? usring back our guest. it introduced the floor from the "wall street journal." about me with this. the price ta on eight we were originally told in 20 over ted years is.8 trillion how does that have happened? why is there such a big boost? >> douglas is the one who bridges the numbers i think it is voodoo. we have 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 itself and will not blow a hole in the deficit and reeler the opposite. people are not citing uto subsidize but you c see a massive cost. >> one of the biggest cost 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 obamacare raises the price tag. if w get pa the starter probms 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-seed 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 on the table. >> exactly. in addition 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 implemted the cmercial budg oice says 2023 it will cost $250 billion for

the subsidies. that is four or ve times what he promised not unty if youkids 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 on sixth avenue i will see a doctor who wwll fix ann it is over. therapy is once aeek over years. how do you me them the same? the cost is different.

>>ou 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 ev gets off the ound. 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. [lghter] gerri: tell me something inteigent about the mental alth benefit i understand but psychiatrists do not work to work for this kind of money that medicare and medicaid serces do. >> that is between the metal

kolff servicesith a lack of access. said it there are some elements like abetes better chronicler better similar to a mental health so ty try to establish parity but the key poin is why do we add more benefits to the one size fits a package? that is what is wrong with this from the insurance point of view. gerri: last word wat is the biggest problem? >> the benefits a of tat there are incentives toput 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 aecipe for disaster. gerri: you were on capitol

hill did you see it? >> don't say we didn't try to warn you but the regulations in three years ago said you cann keep your plan but now people our st waking in up to the reality. gerri: stake you so much. we appreciate your time. coming up we will switch gears for currenlegal panel weighs in on a new trend of puic 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. this is the quicksilver cash back ca from capital one. it's not the "fumbling around with rotating categories" card. it's not the etting blindsided by limits" card. it's the no-game-playing, -earning-limit-having, deep-bomb-throwing,

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gerri: welcome back.

finding answers to coping with obamacare is not easy on a psonal level a c be intimidating. or scary for the 5 million people who have had their health insurance canceled but the risks our bigger than bk getting affordable care yo canave confidence in it is more difficu for ever but a. will your doctor be around next year? the year after that? what about your hospital? will your insurer paid for yoto go there or had chosen at cheaper facility? the burden of responsibily is shifting to you. you have to mak sure you get the care they you need and deserve. der 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 ha a schoolteacher called the ancestry composition we can take your dna to break down into percentages of your ancestors wo are mostly european said tuesday a big chunk from great britain or ireland. we do this for eope and africa and asia all over the world. gerri: 40-point 5% british irish got a surprise. i d no ide a big reveal for be by an asterisk for celiac? >> you are at a very significant increased risk that is a profound included

allergies of misinformation you can are with your doctor some people don't know they have a and genetics plays a big re. 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 about arug response. >> 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 situation. 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 tonderstand 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 yurself to allow you to prevent a problem down the roa salt a health problem before it happens. i did andit 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

and a blender repo gives the stock a lift to does have investors wondering what is a need for the stimulus program? adding 204,000 last month for august and september than previsly been reported perpetrators stock after social 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 e dawdles sales edged up the biggt company is credited for a limited time offers like the mighty wis and puckett coffee. city and state officials have pursued bankruptcy bu the city says it is the last resort the city filed in july. the 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 rerd dhaka. is a legal? stay with us.

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 wrecr.com gives women the average 32 anonymously day more shave their boyfriends but is a legal? we have a partner from dunc and hunter law firm from new orleans.

and/or fox news legal analyst. >> it is legal for the sir they are covered bythe committee said decency act of the servers can put o whatever they want but where it gets tricky is not for the service itself but the people who are posting there posting dates that are not true or they'd make it public about privat 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 outafter the person individually whos

doing the reporting or saying that they this -- bad status. gerri: is appalling. this is not some place you want to spe a l of time. so there is liable, defation, a slander? >> it applies with the divorce court because in all comes out. you posted ts then the of bloody the wife 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 break these types of cases will not be attracted to go after

the individual as opsed to the network or individual service provider whoave the deep pocket. it is a real problem and baby to be addressed. >> also the ultimate fense 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 invasi 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 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 peoplere. gerri: ed you agree to much. forget the legal credentials.

what the state of this blic baby and shaving? >> it is wrong and horrible and discussed thank. anybody that stps 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 t wt 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 had although our societcould 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 court any judges sees that you try to shave yourusband o wife i

know the key will be very sympathetic. >> the onlyother side it worth is that if people know they could shamed into teacher their behavior? >> this has been going on sie befe the internet. >> but they had to find some thin. [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 t publicly blame and shame? log on and vote on the right-hand se of the screen and still to come my $0.2 just 20 days away from the best family day of the year and we have tips from

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gerri: from spending time with loved ones 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 there a better holiday it 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 north carolina and people here go out to dinner on thanksgiving? the tradition is at home. >> i am happy with three restaurants in the ci but i agree. i love to cook. get the faaily and friends around then bring dishes over then you feel obligated to make everythg the dishes in the cranberry but

then there is the cleanup that is the fun part. gerri: that is 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 the sides i love turkey. but the fd vegas to play with are the cranberry relish, a turn ups. gerri: they are boring

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

>> we will deliver it to your house. >> great to information and. >> and not even without pie does not have to be homemade. according to the nprurvey one quarter by there is at the stor 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 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 moth-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 okay to publicly baby and a sham like digest did? just by talking to a helmet. it grabbed the patient's record before we even picked himp. it found out the doct we needed was at st. anne's. wiggle your toes. [ driver ] and it got his okay on treatment from miles away. it even pulled strings with the stoplights. my ambulance talks with oke alarms and pilots and adiums. but, of course, 's a good lien too. female annncer ] today cisco is connecting the internet of everything. so everything works like never before. 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. th helps me, and myguys, . 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. stick with innovation. stick with power. stick with technogy. get the flexcare platinum. new from philips sonicare.

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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 card 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 it is lal. is that okay? we asked the question on gerwillis.com. 53% said yes and 47%aid no. be sre to log o to onto geiwillis.com for our online question every weekday. and finally tonight, we have done our best to comep with solutions tonight for obamacare.

other ways to get health care insance, i'mgoing tt review a couple of them right now. the kaiser mily foundation have the calculator on their website ththat can help y you fe out whether you are elible for subsidy them what you can expect to pa. do not forget the limit on out-of-pocket costs. heck out this website. and talk abot 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 e a solution. keep watching "the willis report." we'll tell you about the changes coming up. that is mytwo cents more." we will bring you a users guide to shopping. next week. the best deals tohe holiday season. agn, the users guide on shopping starts monday and goes all week long.

that's it for "the willis report." dvr our showf yocan't catch a fly. a. >> image if everyonehad their own fire service. >> imagine at. the truth is private fire coanies work all over america and do aetter job. >> it is how you spend your moy. >> traffic lights are synchronized so there are not traffic jams. >> private parks are cleaner and safer. libraries our better run. , they are much more computerized. a private water system the government could not do.