we called aetna who admitted there had been a administrative mistake. >> i make one call to cbs-3 and amazing how quickly common sense made a come back. >> reporter: aetna corrected the problem and family is now responsible for $348. >> simple issue that shouldn't have taken six months, to address and fix. >> i'm very glad that it is better now. >> reporter: now aetna told us there was a mistake that the id number for the facility where chloe had her surgery was incorrect, it was an administrative oversight. experts say it is always best to check with your insurance company before getting a procedure, just like kim did to make sure everything is covered and if possible get it in writing. you have to keep fighting. >> what a difference that world was toward the end there. >> little will common sense and we're glad chloe is okay. >> thanks, steph. >>> home spun fashions on display in the philadelphia's fairmount nab hide. project home held its fashion show at today's event as part of the homes mission to empower people recovering from chronic homelessness and employment opportunities. s

so even if you have aetna or cign a a, and you paid for it out of your own pocket, the government can still call the shots. yes.f your own pocket, the government can still call the shots. yes. section 11yes, read it and you will see. doctors and hospitals will obey whatever regulation the secretary imposes in the name of quality. well, that blanket authority can cover everything in medicine. when a cardiologist chooses to use a stint versus bypass. when an ob-gyn ordered a son grm or does a cesarian. your doctor will be legally retired to epder your medical information into a nationwide interoperative electronic data base seen by thousands of eyes. your doctor's decisions will be monitored for compliance with these government guidelines. which are being written right now. your doctor may have to avoid what is best for you. now your president said he would solve the problem of the uninsured by making premiums lower. but instead, you all got the bill in the mail. it takes $716 billion out of medicare over the decade and move it over to fund the expansion of medicaid. it is rock grandma

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry.our new health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. eet, spicred lobster's endless shrimp ends soon! the year's largest variety. like new spicy siriacha shrimp, or parmesan shrimp scampi. as much as you like, any way you like. but it won't last long, so hurry in today. and sea food differently. >>> welcome back to "comics unleashed." hot shocker. favorite show, favorite players. >> i'm going out for the show next year because i'm realizing these chicks are coming out of nowhere and becoming stars for kissing him. i'm like, i'm going to take one for the team. all i got to do is kiss flavor? sure. i'll take one for the team. you can put the cameras in the bedroom. i will give it to him. yeah, boyee. c

aetna will be the first of the group to report tuesday followed later by the biggest exchange player and cigna, which pressures profited in the second quarter. but for some pressures could be offset by the bounce back in overall enrollment since the great recession. >> the availability of new insurance, people being able to afford the co-pays, through having higher employment leves s all of that is tying together and supporting growth in the sector. >> it has helped send the health care sector to all-time highs putting it on pace to outperform the overall markets for the

aetna topped forecast and raised the forecast for the year, still they slipped a bit because the insurer said that medical costs for some of the small business coverage came in higher than projected. the ceo tried to reassure investors. >> in the end, we'll meet annual guidance, and raised and beat third quarter in a row. we anticipate that the earnings and revenue will all come in fine for this year. >> shares are down about 2.5% or a buck 99. >>> whirlpool's earnings up, the appliance maker lowered the four-year profit estimate because of recent acquisitions, which didn't phase investors either. shares popped up 10.of 6. >>> and higher car sales, the auto dealer group said it would spend a quarter of a billion buying back shares. the stock rose almost 7% to 55. 58. >>> big blue also out with a buyback, the board of directors authorized an additional $5 billion worth of stock to be repurchased. the company says it will make the purchases depending on market conditions, coming on top of the remaining $1.4 billion left on its current buyback plan. the stock rose 1% to 163.60 madison squar

aetna will be the first of the group to report tuesday followed later by the biggest exchange player and cigna, which pressures profited in the second quarter. but for some pressures could be offset by the bounce back in overall enrollment since the great recession. >> the availability of new insurance, people being able to afford the co-pays, through having higher employment leves s all of that is tying together and supporting growth in the sector. >> it has helped send the health care sector to all-time highs putting it on pace to outperform the overall markets for the fourth straight year. >>> coming up, place your bets on what's shaping up to be a big fight in the garden state on the future of sports betting. we'll explain right after this. >>> there's a new kind of grinch threatening to ruin some christmas mornings this year. congestion at the twin ports of los angeles and long beach, california, is doubling the amount of times it's taking ships to offload cargo. those delays are hitting the toy industry especially hard as it tries to get imports to stores ahead of the all-impor

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry. at our new health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. berea ask what is on the back of the $2 bill? >> the answer is the declaration of independence. it is featured on the reverse of the $2 bill. >> i used to collect those things. i might still have one or two around. to have some showers trying to push through the area. an area of high pressure will push those things eventually out of chicago. now we have temperatures that are very chilly out there. if you're heading out the need a little rain protection. perhaps this letter as well. we will rise a little bit tomorrow. unnoticed last four days of the forecast as temperatures just in the '50s. chance of increasing cloudiness. if you're keeping up

come this midday tom skilling will t wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry. at our new health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. >> happy tuesday. a day out there. there have been some rainbows that have occurred around the area. our viewers have been on the ball with their cameras. out in indiana with one of those develop. on his way to the indiana chamber meeting. check this out for more on lawford. what happens are the low angle sum this morning was attracted by the rain out in these like affection hours. the prism like display of colors. beautiful fall colors. shows us the view there. look at stephen kaiser's bird's eye view of wisconsin. in the next naperville's shot photographers put the fall colors on full display. the sunlight makes its wa t ant rol

of aetna. "street smart" starts now.

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry. at our new health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. after punishing sell-offs. the stock market rallies to end the week. starbucks plans to speed up delivery by taking smaller smart phone orders. allow customers to skip the line at the store. the chain will debut this service in portland later this year before a national rollout. iphone 6 and 6 + owners will soon be able to use their phones at stores to make transactions. the new mobile payment system will launch on monday. it works by using the fingerprint scanner and then holding the device up to the register. the charge goes retailers have already signed on. the charge goes to the user's credit or debit card. about 500 banks will support the

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry. at our new health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. turkey and the united states are changing course in the fight against ices. turkish leaders are now allowing kurdish fighters to use turkey as a staging area against ices. in refusing to let them cross the border because the country considers them terrorists. united states says they have airdropped weapons ammunition and medical supplies to the kurdish fighters and the syrian border town of kobani. the nicest takeover kobani would not be critical to the fight. >> human remains found over the weekend are believed to be those of anagram. search crews discovered them in a creek bed behind and demandean abandoned home. police our labeling this case

how about aetna, how about well point, come on 37% increase. come on republicans tell me how health care will get screwed up in america. that is not a government take over. they lied to you. and they lied to you when they told you will that they had a better plan. because if the republicans had a better plan they would have called a big press conference today to say this. you won't see boehner or any of these other experts on the private sector come out and talk about these numbers. i will guarantee you, wall street thinks 34% of your money, 37% wellpoint, this obama guy is not so bad after all. so much for the republican lie. and that's exactly what it is, of a government take over of our health care system. let's not forget seniors. 8.2 million seniors have saved over $11.5 billion. where do you think that money went? right back into the economy. how many months of private sector job growth have we had? the growth of health care has dropped. costs have grown annually 1.1%, that's all? that's the slowest rate for any three h three-year period

but unfortunately, we have what is in place, which is aetna, kaiser, sutter and all these other health care providers deciding what they're going to implement and we think it should all be mandatory. and the other thing is this reliance on technology that they're using for standardized protocols. there's no standardized protocol in place currently for dealing with ebola. that's what we've been shouting about for the last several months. >> well, i want you to address this. 80% of the nurses in your organization say their hospital has not communicated any policy on ebola patient admission. now, is it that they don't know what to communicate and they're not sure exactly what their policy of isolation and protocol would be even on a local level? >> i think it's all of the above. if you go to any hospital right now, i would bet that it would be very hard for any nurse to pull up a policy that they would be able to follow in their hospital on how to provide care for an ebola patient. the example i use is in california. we had an ebola patient in south sacramento and they were scrambling to

so in facebook's case, it's part of the aetna plan they offer to their employees.s really unusual. it's been deemed a luxury to have. it's been deemed an elective procedure because the ideal candidate is a woman who is healthy and fertile. so companies have viewed this as this is your own choice. if you want to delay mother hood and freeze your eggs while you're young and fertile and healthy, then that cost is on you. and that cost could be substantial. we're talking about one round of treatment costing up to $10,000. most women need two. plus 20,000, plus the yearly cost of preserving these eggs is about $500. it's significant cost. >> yeah. >> and supporters, you know, say this is giving women options that they don't have to feel pressured by their biological clocks. also, there's critics that say this could put more pressure on women and the company's trying to send a message with this. >> yeah, and when i first heard it, i was applauding facebook and apple and said, woo-hoo, way to go. and i didn't think about it until i started listening to people on social me

pie spice. plan preferred networks, now in many medicare part d including united healthcare, humana, aetnaealth insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart or call 1-800-966-1848 to speak to a licensed agent. save money. live better. walmart. a tea party supporter endorsed by sarah palin. the mess in washington - made worse with dan bongino. bongino will take away social security's guaranteed benefit and fight against equal pay for equal work legislation. the post calls bongino "polarizing" and "highly partisan." no wonder the post endorses john delaney "one of thste mo impressiewve n lawmakers." family man, entrepreneur, and independent problem solver - for jobs, to protect veterans and equal pay for women. i'm john delaney and i approve this message. ♪ >>> we are here in the toyota green room with harvard psychologist ellen langard. she believes the power of positive thinking can reverse the ef

bigger. plan preferred networks, now in many medicare part d including united healthcare, humana, aetnaventry. at our new health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart or call 1-800-966-1848 to speak to a licensed agent. save money. live better. walmart. i have $40,ney do you have in your pocket right now? $21. could something that small make an impact on something as big as your retirement? i don't think so. well if you start putting that towards your retirement every week and let it grow over time, for twenty to thirty years, that retirement challenge might not seem so big after all. ♪ >>> 7:41 on halloween morning. nik wallenda is king of the high wire and is getting ready to prove it again. with one of his wildest stunts. >> in chicago first at an incline and then blindfolded. >> we'll talk to nik in a moment. first, his flare for the dramatic. nik wallenda has built a legendary caree

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry.enters, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. >> good morning. 7:56 is the time. i am julio lavon g. we will head right over to the jt. on the innerning loop of the beltway. along thecident right left side, the red line unfortunately stretching back 56.rds geor washington parkway northbound, very heavy from the 14th street ridge until one mile before 123, wherein accident remains in the left lane, rubbernecking coming in from the belt a. the inner loop of the beltway towards the woodrow wilson bridge, half of an hour right now, along the way on the shoulders the travel lanes are open. brian, it's sort of seems like it will warm up with it? >> eventually, for sure. clark county high school, clouds across the area. waking up to some

. ♪ wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry.insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. ring ring! ...progresso! you soup people have my kids loving vegetables. well vegetables... shh! taste better in our savory broth. vegetables!? no...soup! oh! soup! loaded with vegetables. packed with taste. your relaxing sideside is calling... your let's do it all side has arrived... and an unforgettable disney vacation is all within your reach. and right now, you can create a 7-day package including a select walt disney world resort hotel room and theme park tickets for as little as $78 per person per day for a family of four so come on. show your disney side, this year at the place where dreams come true. up to 27% more brush movements. patented sonic technolo

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry.alth insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. over 12,000 financial advisors. so, how are things? good, good. nearly $800 billion dollars in assets under care. let me just put this away. how did edward jones get so big? could you teach our kids that trick? by not acting that way. ok, last quarter... it's how edward jones makes sense of investing. ♪ (carter) making a mess.alent for but it's ok...our new kitchen is zoe proof. (announcer) the time saving frigidaire gallery smudgeproof appliances resist fingerprints. and clean easily. so now you have more time to savor all those "sweet" family moments. frigidaire gallery. our time-saving legend continues. forget about fingers and toes. i'm here to talk abou

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry., you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. >> good morning it is 7:56 monday morning, chopper 6hd just flew over a deadly accident in bensalem, bucks county. matt pellman has details on what's going on in our traffic report. good morning, matt. good morning, tam, awful scene at state road and street road. accident involved the sedan as well as the truck. state road is shut down for several blocks shut down this morning. let's go to the maps, stay on i-95 as the alternate or route 13 bristol pike. although to the north of that accident scene up in bristol township they are working on a new traffic pattern that will be in place until july. >>> in rich richboro we have ar main break south of richboro middle school. outside ben franklin

delicious meal made just for you wpreferred networks, including manyunited healthcare,lan humana, aetnaew health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. >> good morning, i'm tamala edwards, 7:56 friday, october 17. let's head over to karen rogers she's got a new problem on the schuylkill expressway, good morning. >> reporter: that's right, the schuylkill expressway, slow go, eastbound traffic heavy from 202 to city avenue, university avenue where we have an accident. on the big picture we see speeds at 8 miles per hour. a new accident on the schuylkill expressway this is eastbound on the schuylkill expressway past university avenue. they have the right lane blocked. that's all it takes to see the delays go down to the single digits. once again big problems on the schuylkill expressway. as you look back

delicious meal made just for you wpreferred networks, including manyunited healthcare,lan humana, aetnaew health insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. abc 7 broadcast center, this is an abc 7 news update. >> good morning. 7:56 is your time. i am jummy olabanji -- i am jummy olabanji. we will get to traffic with jack taylor at wtop. >> the crash on the baltimore washington parkway near 197 is finally cleared. there has been some gravel spilled on the roadway at route 4 north and woodyard road. you see the red line? it is back to telegraph road. red line no longer single tracking between forest glen and silver spring. the temporary work has been impleaded. a new crash on the left side outer loop of the beltway near the baltimore washington parkway. eileen, our forecast? >> grabbed the sunglasses heading

pie spice. plan preferred networks, now in many medicare part d including united healthcare, humana, aetnaealth insurance information centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart or call 1-800-966-1848 to speak to a licensed agent. save money. live better. walmart. ♪ >>> we are here in the toyota green room with harvard psychologist ellen langard. she believes the power of positive thinking can reverse the effects of aging. true? i hope it's true. now, if you could make it help you lose weight, you'll be my new best friend. she says it might could cure diabetes, one day diabetes and cancer. she'll share it with us next on "cbs this morning." >>> good morning, i'm ukee washington, let's get the forecast for the trick-or-treater. >> looking like pretty good one. starting off on very clear, dry note, most locations, that meant you dropped off on the they thermometer very substantially bundle up, virtually no win, what you

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry.agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. >>> good morning, it is 10:26, i'm kris sanchez. today marks 25 years since the loma prieta earthquake. many people in the bay area will remember that devastating day on which at 5:04 in the afternoon, a 6.9 earthquake shook the san francisco bay area and monterey bay. the quake lasted just seconds, but caused lasting damage. both the bay bridge and cyprus freeway collapsed and 63 people were killed. it also cost billions of dollars in damage. >>> to happier news now. the giants are headed back to the world series. travis ishikawa hit that walk off home run last night to beat the cardinals. up next for the g-men, the kansas city royals games one and two in the midwest tuesday and wednesday, then games three and four

so even if you have aetna or cign a a, and you paid for it out of your own pocket, the government can still call the shots. yes.f your own pocket, the government can still call the shots. yes. section 11yes, read it and you will see. doctors and hospitals will obey whatever regulation the secretary imposes in the name of quality. well, that blanket authority can cover everything in medicine. when a cardiologist chooses to use a stint versus bypass. when an ob-gyn ordered a son grm or does a cesarian. your doctor will be legally retired to epder your medical information into a nationwide interoperative electronic data base seen by thousands of eyes. your doctor's decisions will be monitored for compliance with these government guidelines. which are being written right now. your doctor may have to avoid what is best for you. now your president said he would solve the problem of the uninsured by making premiums lower. but instead, you all got the bill in the mail. it takes $716 billion out of medicare over the decade and move it over to fund the expansion of medicaid. it is rock grandma

one reason was your margins, and aetna's, too, were in difficulty.been able to reverse that situation on your medical loss ratios? >> relative to 2014, we are completing a good year. we are increasing revenues by about 9% and overall earnings growth is positive what we saw different between the second and third quarter is the performance of the individual business that are tied to the public exchanges improve somewhat. beyond that, the core of the business remains strong continuing to grow. net/net, a positive quarter, strong growth from a topline basis and strong growth from a bottom line basis for us. >> is that comparison about redirecting the buffers or 3rs or a genuine measurable phenomenon from the real economy? >> i think it's important from a cigna standpoint this only represents 3% of the company. in the second quarter there was a lot of fixation around that. our second quarter results were strong, as well. third quarter results continue from our international business, group business, employer business in the united states. the fundamentals

delicious meal made just for you wpreferred networks, including manyunited healthcare,lan humana, aetnaation centers, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. lopreventable medical errors,hey all lnow the third leadingse of cause of death. only heart disease and cancer take more lives. proposition 46 will save lives with drug and alcohol testing to make sure impaired doctors don't treat someone you love. safeguards against prescription drug abuse. and holds the medical industry accountable for mistakes. i'm barbara boxer. let's save lives. vote yes on 46. >>> good morning, i'm katie marzullo. let's get right to today's forecast with mike nicco. >> we have real showers today to talk about and they're up to the north and are going to move into the north bay this afternoon while the rest of us will have sprinkles during that time frame.

wpreferred networks, including manyunited healthcare,lan humana, aetna and coventry.enters, you'll find independent agents that tell you about plans that could be right for you. take care of your medicare part d enrollment, so you can spend your time doing the things you enjoy the most. visit walmart. or call 1-888-966-1848 to speak to a licensed agent. save money. live better. walmart. >>> good morning, i'm kristen sze. meteorologist mike nicco has your bay area forecast. >> some scattered light showers. good morning, everybody. you can see them showing up on live doppler 7 hd and they'll be moving across our neighborhood today. partly sunny with less than 0.1 of rain likely. low 60s coast, mid-60s san francisco, upper 60s and low 70s for the rest of us. the next chance of rain is thursday, friday, saturday. >>> we have a new accident southbound 880 at tennison. all lanes blocked there and now we're looking at traffic relief southbound 680 at 580. the sig alert still in effect as crews continue to clean up this traffic mess, but just behind it this accident still the

so even if you have aetna or significant that, and you've paid for it out of your own pocket, the government can still call the shots. yes. section 1311 h-1-b of this law. that's right. read it and you'll see. says that insurers can pay only those doctors and hospitals that obey whatever regulations the secretary imposes in the name of quality. well, that blanket authority can cover everything in medicine. when a cardiologist chooses to use a stent versus a bypass. when an ob-gyn orders a sonogram or does a cesarean. your doctor will be legally required to enter your medical information into a nationwide int interoperative electronic database seen by thousands of eyes. your doctors' decisions will be monitored for compliance with these government guidelines, which are being written right now. and ultimately your doctor may have to choose between doing what's right for you and avoiding a government penalty. now, the president said that he was going to solve the problem of the uninsured by making health plans more affordable. but that's not what's happened. you've gotten your premium hikes in

if you ask actuaries at cms or aetna wellpoint united, how do they roll up to a trend of five versus seven? it's the entire thing moving. can you have 110% loss ratio loss to a plan, if you move that to 105, that contributes to those who are operating at 87 and you're making progress on the whole book. so, let's focus on making progress and some of the gradual stuff that joe was talking about. not too slow. if you're too slow, you get sweeping government reform that will be blunt. >> i like -- we call it the end game. a lot of our organizations we work with, their vision of the end game would be to have a population-based contract with all the major payers in their market. medicare, medicaid, all the major commercials. so, if i was the ceo of an integrated system that was doing that, i might have 700,000 people that i'm responsible for providing care. and i would have probably a per -- a global target of expenditures for each group. and then i would be -- my bonus might be based on quality, you know, patient satisfaction, engagement, health status improvement. so, that's kind of what

the ceo says aetna's business makes up 40% of health premiums. revenue coming in in line.gest maker of home appliances is citing costs from acquisitions. and shares of coach jumping. better than expected earnings and revenue. jim is standing by at the cme in chicago with some of the durable numbers we've been waiting for. steve leisman is live here in the studio. >> looking for 0.7%. at least going the other way. it's very voltive number. there's not been a lot of big u.s. data for the market. we were focused on earnings and probably going to get the numbers right now. >> jim is standing by with those numbers right now. >> call this number volatile is a bit of an understatement. they come out as a disappointment. durable goods out at negative 1.3. basically no revision last night. transportation negative 1.3. comes out negative .2 also. and nondefense comes out as negative 1.7. so bad along the board here. the stocks take it a little bit higher. they were up coming in now up about plus six. so they lost three handles. the 10-year yields is down a little bit. we started thi

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as of december 31st, aetna will no longer insure me and i have to go back on the health exchange and host: noam levey. >> guest: i don't know reasons for your particular situation but i will tell you as a general rule, you should go back on the exchange anyway. anybody who o even hasn't gotten one of these notices to go back to goff governor or state insurance exchange -- healthcare.gov. for year to year none of the health insurances plans will stay the same. trying to think what a good analogy might be. if you go to favorite restaurant they may change sandwich options from time to time. you may have to look at the menu and choose. something else. particularly for people receiving federal subsidies to help offset the cost of their insurance plans, your income changes, your situation changes, the health plans change, your subsidy may change. so it is very important to go back on to the healthcare.gov website this fall, look around. because you may have a better option and cheaper option than youdop this year. >> host: mr. nelson, does the census bureau extrapolate reasons why health c