mr. cherbin, is among those who have enrolled. a self employed father of three, he has been uninsured for years, paying cash for doctor visits and the occasional trip to the emergency room, he told his local newspaper. once he got into the marketplace website, he compared 38 plans and got coverage for his family for $123 a month. and i quote, "once they get the bugs worked out, it will work well and bring peace of mind to a lot of people." and he added, "i'm thrilled to have coverage." prior to this year, mr. cherbin and tens of thousands of americans who don't get health insurance through their employer, but rather had to sign up on their own was a maze of invasive personal medical history questions within applications that seemed to never end. when individuals did get through the process, too often a preexisting condition, no matter how minor, was used to deny coverage, to charge exorbitantly high premiums, or to exclude needed benefits. thankfully, these days are behind us. they are behind us. this hearing provides a chance for