(announcer) major funding for second opinion is provided by the blue cross and blue shield association, an association of independent, locally operated and community based blue cross and blue shield plans - supporting solutions that make quality, affordable healthcare available to all americans. additional funding provided by... (music) (dr. peter salgo) welcome to second opinion where each week our healthcare team solves a real medical mystery. when we close this file in a half an hour from now, you'll not only know the outcome of this week's case but you'll be better able to take charge of your own healthcare and doctors will be able to listen to patients more effectively. i'm your host, dr. peter salgo. and you've already met our special guests who are joining our primary care physician, dr. lisa harris. lisa, it's good to see you back. (dr. lisa harris) good to see you, peter. (peter) now nobody on this team knows this case and i'm going to get right to work. let me tell you a little bit about elaine. elaine is fifty-six years old and she's been a smoker for thirty years. three yea

i do understand that we have had huge increases on the blue shield and blue cross side over the past decade that were well above and beyond what kaiser was and also says a lot about blue shield and blue cross. now we are looking at increases that kaiser is proposing and not backed by data. we are seeing increases that now it's kaiser's turn to say it's okay to have increases. i don't think that makes a lot of sense either. we don't like increases that are high period. i would be supportive of continuing to the chair and maybe we can get something worked out in a week in terms of getting information that backs what kaiser is doing. i would be happy to hear this at this time. i don't know if i would support it or not. i think another step in the process is actually hearing it again in committee if we have data from kaiser, great, that could give me a sense of what i would really be open to voting for and i'm willing to go forward for the next week without blinking. i want to thank people from the public for being here, people from the union for being here. i was very happy to see is tha

you look at that i want to make sure you understand in order to get the offer we have 3 days for blue crosso do. and then august 11th we could have our staff do a report. then we would have to, you know, do the public notice for the hearing that's 3 days and then we would have the hearing on august 15th or 16. it would take us a few more days to put a packet today for mr. rose. the august 28th hearing so all this would have to happen in the span of a month. i don't think in the possible. this would be the timeframe we're locked into to get it back to you as early as september 3rdrd. so assuming we get approval now the next slide says we have between september 10th and september 30th which is 20 calendar days to do all the work to get the work and do the calculations to get it into the system to send notices to all the members. this takes

i remember reading the headlines about blue cross putting out those high prices and was getting the attentionnd they backed away from that. there's a lesson there, too this exercise will be something that kaiser will think about when we put together their 2015 rates. do very return something to the employers they will have to grapple with that. this process has value. so i'm arguing that i'm not trying to defend kaiser just when i look at it, it's interesting to three and four with when we're looking a 3 percent increase and that's a very over you'll low increase this is the year this has become the issue for approval. in the past this would have stood out when 12, 13 percent increases were the norm. i don't want to spend too much time off my topic but to say that anytime i've been there everything that was presented, you know, at the health service board was fair and i believe that in outlining all our conversations kaiser has not disregard that the information was incorrect. they didn't dispute the facts but again, they're not the only you know unprovider health care in the city. where they

we were both covered by blue cross blue shield. i had tech go out on leave. i could not finish my term. had to go out on leave to take care of him. he had a stroke. but it did not matter to me because i was covered under his insurance. i lost mine and i went out. however, he passed away. and they informed me now my insurance is not free. i would have to pay. okay. it did not bother me. i went on unpaid. every year my premiums and more and more. now is $401 taken out of my pension check. and after have insurance. does not matter. i heard president obama saying something about if you are in short and you're paying premiums you're going to get money back or something to that effect. i don't know anything about it. upset them. maybe they will make -- i don't know anything about it. could you just answer that for me? to you give money back to what? >> guest: of very sorry for the loss of your eyes and then having to deal with all of the insurance issues you're dealing with. with the president is talking about is the health care law that requires insurers to spend

gerri: john, blue cross-blue shield of north carolina. they spent a ton of dough, buying lots of data, three million people in their employer group plans. here they have just an incredible amount of data. small pieces of information about your buying habits, what you're doing, where you're going, et cetera, et cetera. this helps them manage costs on behalf of the company. >> of course it does. look how does an insurance company make money? they make money by what? not paying claims and not insuring people who are unhealthy. so anything that they can do to get their hands on information that indicates that you are a health risk, for example, very valuable to them. they can price the insurance more appropriately or avoided you all together. gerri: johnson & johnson paying workers 500 bucks to submit biometrics. here you give them every single detail, your employer. >> absolutely. gerri: i'm thinking, look, if i'm looking for a job. let's say what if i fail a precancer screening? >> think of it from the employer's perspective which is rough

blue cross,to use blue shield, or any of the other programs to supplement my health care.ut it is paid through my benefits. my co-pays are eating me up and it has nothing to do with obamacare. i think republicans need to suck it up and get with the change and help build on it. thank you. national journal looked at what people's opinions are on the federal health care law. even supporters of obama care are ambivalent about the law. looking at the "national journal" piece -- dan tweets in and says -- susan, greendale, wisconsin, a democrat, hello. caller: hello. my big concern is that everybody is against it and it is not even an effect yet. parts that are but not all of it. i think what is going to happen over over time is it is going to change a little bit. we do not know the full impact of it. how can people condemn it? not only that, i am a retired nurse and i can tell you one thing, that these doctors are not going to like taking a cut in anything. they were against medicare, they were against everything that the elderly or the government tries to do. they want to make

i think what i would guess is blue cross blue shield is doing at this point is it is afraid of losing for new plans before the exchanges are up and running or open for enrollment in october. so if you enroll in a plan, you're committed. you can't go shop on the exchange. >> stephanie: interesting. didn't we just hear that blue cross -- blue cross blue shield has opted out of the exchange here in california it. >> it has opted out of the small market business exchange. they said if you want to participate in the individual insurance exchange, you have to offer small business plans and anthem said it is not going to do that. i think the california legislature or the organization that's watching over this allowed them to do that. that's okay because i don't understand -- >> stephanie: i'm a small business here in california and we have anthem blue cross blue shield. >> we do. >> stephanie: what does that mean? >> nothing. you'll continue to have your plan. somebody brought this up to me on twitter. i responded to it. it seems odd to me if you've got a whole group of people going to excha

you're going tsee the exits of all the etnas, the blue cross blue shield, obama care win webs we can't fight the at this point. >> boy, we have to mark this down. you said they're a genius. >> idid. sasha, companies are not just leaving california. it's washington, massachusetts, new york, new jersey. what do us is th reason for that? >> well, for one thing, it's the first time i've ever agreed with gary b., so that's great. the reason is this is pure market competition. if you're looking at, for example, united healthcare in california, they have 2% of the individual policy market. they can't be competitive. the reason the people aren't leaving them is because they can't because no other insurer will take them, which is the whole point of what's going to happen under obama care. if you have three companies in california that have87.% of that market, united is not leaving california. they're going to go into employer health care coverage because it's more profitable there and then they're going to do individual in the states where they have a bigger market share. where they'll make mor

health plans are approved for offering in san francisco under undercover california, they are anthem blue cross, blue shield, the chinese community health plan, health net and kaiser. technically, there is no mandate on employers to provide health insurance under the affordable care act, instead there are incentives and penalties for employers to offer coverage. they can offer for affordable coverage on the exchange, and for more full time employers, there is a financial penalty structure if employers offer no coverage or unaffordable coverage, no coverage is defineesed as an employer who offers coverage for fewer than 95% of its fte's and the employer is imposed if one employee receives a low-income subsidy on covered california, [inaudible] health insurance that covers less than 60% of health care expenses or costs an employee more than 9.5% more of their income, a penalty is imposed if one employee receives one subsidy. [inaudible] at a cost to an employee of no more than 9.5% of their family income would avoid any penalty. these provisions were scheduled to become effective in 2014 but the

blue cross did coverage for small businesses because of the rollout of obamacare.e president said in a never-ending speech today that we're just getting started with obamacare, that's not a promise, that's a threat to america. wherever it rolls out, it str z destroys the insurance market, just like his policies destroyed detroit. they said he wants to get his groove back. i hope in the speeches he's got planned the rest of the week he's got real problems and real issues because today's speech was an hour-long fantasy about unicorns and space travel. >> i would say two things. the first is in california, the prices of the insurance that are coming in in the exchange are some 26% below what was expected. so i think when we actually come to the implementation, a lot of people are going to be surprised. >> that's not true. that's simply not true. i have a small law firm. austin, i have a small law firm. it's less than 20 lawyers. we just found out that anthem blue cross has pulled out of the insurance exchange in california. entire sectors of the insurance industry --

this is blue cross and blue shield. take a look at this.ing to zoom in on a piece of this and you can see what we are talking about. this is another issue. please tell us about the. >> this is really fascinating. an example of them saying that they didn't have the address. they are sending out checks all the time that t addre that was submitted arguably was wrong. again what it lso says that the member needs to contact the provider to subit these claims again. and again if you don't read this, you could be really responsible. >> even a small one, even a glitch, what do yu think? >> whati think is going on is dealing with this enormously complicated system. you are looking at the fine print, the fact is the most important part of the message is in this small print anmost people don't read it, they don't see it and we are opening up that enveope. gerri: beore we go, i want to touch briefly on us. these are done by the medical association, the american medical association. there is a price tag associated with it. so tha doesn't happen. what yo

i can have blue cross federal, blue cross massachusetts, and cigna in new hampshire all at the same time, and it is either going to be cigna or blue cross mass if i work for the teamsters. guest: it sounds like you kind of got that down, you know where to go and who your primary payer is, depending on the particular circumstance. the question of what this does to your federal coverage -- i want to say that open enrollment is this fall for the federal government and you will have to wait and see what their choices are. there is no particular reason why it would change much. but insurers always make decisions whether they want to offer federal employees -- a pretty vibrant pool. you can see that happening this fall and see what your options are and see what your costs on that would be. but you're definitely right, you would have a lot of insurance and overlap there. complicated case, very interesting. guest: why taiwan did not choose the united states is a model. host: good morning, kelly. caller: thank you so much for taking my call. our situation has been a little bit different. my husba

plus walgreens and blue cross-blue shield will be tapped to help educate people.f an effort by the administration to make sure americans understand this law and their health insurance options. jenna: this is fast-move, certainly this story. we'll bring you more as it develops. >> >> meantime a fox news alert. brand new news from the faa they are changing some of the flying requirements for copilots. rick will have more on the story in just a moment. also we want to mention this to you. the world's largests union is critizing the ntsb and their handling of the asiana crash investigation. they say the ntsb is relosing so much information so fast it is encouraging the public to speculate rather than get a full picture what really happened. we're starting to hear from the passengers from this flight. so a lot of news about, this news out of san francisco today. rick is here with all on these developments. rick? >> reporter: let's break it down, jenna. it is not only because of the crash of asiana flight 214 that the faa is changing the requirements for copilot flying

in my home state of louisiana, blue cross-blue shield has said they'll participate but they said premiumsould go up substantially for people. i think there are going to be a lot of disappointed, very frustrated people. this is a bad law. the excuse -- >> it needs to be repealed. >> labor unions are really annoyed. they're losing their cadillac health care packages, which goes all the way back to subsidies in the late 1940s, the so-called taft-hartley subsidy. their workers may wind up insurance exchanges in a much smaller, much less generous insurance package. >> you got three of the largest labor unions riding the administration saying this could destroy the 40-hour work week, the back bone of the middle class, three labor unions that helped this president get elected and it is time -- they repealed the mandate for employers, not individuals. that makes no sense. they need to repeal the entire law. we don't need a one-size-fits-all solution on pe health care from washington, d.c. >> i don't see, governor, seriously how you can keep the individual mandate going without a verification syst

companies that you know, aetna, blue cross blue shield, saint jude.ng for a job, maybe i failed the pre-cancer screening. what's next? than there are people who scan the data. how dangerouis this? >> there a lot of different reasons why someone would want to feel this data. one is health insurance fraud. people can sell your data and others can use it to get ree health care. maybe they get free prescription drugs and you a okay together. then there is the financial identity theft. social security nubers, that kind of information is very valuable to people who want to commitinancial fraud. it can mess up your health care records witpeople using your identity to get services and it can mess up your credit. gerri: let's say you go to the ergency room and someone has massed with your records and you get the wrong blood transfusion with the wrong blood type. this could kill you ultimately. people are not really thinking through the ultimate cost of these problems, do not think. >> it is very true. if you are in an emergency situation, your records will be

. >> they take out $97 for, i guess that's the medicare part and then i pay blue cross the $257 a month. >> what are your other expenses? what things do you have to pay for every month? >> i have nine different bills. my garbage. that's $18 a month. my gas bill is all budget and $94. my electric bill last month was $139. my cable is 68.53 and my phone was 52.79 and my water is $68.82 a month. >> once you get your social security check plus your bills, that money is gone. >> yeah. >> no matter where you live, aging is an expensive proposition but more and more frequently parents are having to rely on their children to help bear the expenses. my aunt sandy has been caring for her ailing father at home. >> hi pop. how are you today? he suffers from dementia and now requires 24-hour care. >> how old are you? >> should i tell him. >> i'd tell him. 96. tell him 96. >> 96. well i hate to tell that. >> i took care of many people but he surprises me. with his age, he surprises me. >> you're a surprise. >> sandy is a good daughter? >> oh, yeah. >> cause we're a team aren't we? yeah. okay. we had

three years later it costs more than the plan offered by blue cross. next year, will be the most expensive plan surpassing even blue shield. >> i am surprised about that. >> the rising prices might make good consumers think twice. >> like anything you wait weigh price. you think about that. so it's another thing to consider. >> we tracked down the former ceo in charge during price hikes it lured big employers looking for bargains but he says we have to buy his books for answer autos i recommend you get the books. they're very g they're very clear. >>> a pro pose would force kaiser to show what the premiums are being spent on. but the hh. mo spokesman says kaiser permanente is committed to resolving employer concerns behind this bill. and meanwhile, employers feel trapped. kaiser may in the feel it needs to negotiate rates. removing kiz grer a plan may not be realistic because it's popular with workers like thelma. >> i love the care. the pharmacy, everything. i lost care. >> and thanks for joining us for abc 7 news at 4:00. >> abc news at 5:00 begins ri

you got that bill from blue cross-blue shield.paying 1214, it's going up immediately to $1,500. when you saw that, what did you think? >> i thought i was getting a rate decrease because of the affordable care act. what they do in the letter is they give you the premium of one month. when you extrapolate the money and realize that is only a one month payment, it's pretty shocking when you see the two-month bill. 21.7% increase. if i continue to receive increases like that over the next five years, i'll pay more in health care expenses in the fifth year than the average median income of the american worker. >>steve: dan, it's called the affordable care act. i thought it was going to be more affordable, more people would have health insurance they hadn't had before. everything would be better. it's not! >> you know, we were all led to believe that. this administration based the original platform on transparency, and it's been nothing of that. if you look at the 10,000 pages-plus of legislation that goes into the affordable care act,

what theyto determine will by blue cross.uring a huge roll out how the subsidy system will work. -- onally i think that host: i was going to ask if you house republican strategy to defund the care specifically up for a vote friday is a bill by tom price ive republican of g. that would prohibit the i.r.s. from enforcing any aspect of the 2010 healthcare law. i like tom price. i know him pretty well. i personally would not have for president obama's plan because it is too much and the medicaid expansions were massive and spending expansions were massive. it is unfortunate it was not bipartisan. i spent a couple of years esigning and getting past medicare part d and my opinion the smartest thing is we spent a time with senator kennedy and widen and made it bipartisan not exactly the republican or democrats wanted but it was very controversial. we passed it in a bipartisan ashion and it has held up and been popular. it was a mistake for president obama to pass the thing. no policy is going to be noncontroversial if it is 100% 100

it's ultimately advised by the corporations on its board, like pharmaceuticals company, blue cross/bluehield of california to enroll individuals who are not insured in health care insurance that's going to benefit those companies, not the american people. >> i mean, that's sort of the hook on the whole thing. isn't it? the fact that they're essentially almost sales persons for pharmaceutical and insurance people are going to make money, they're not exactly out there for the public good. it looks like the fox is guarding the chicken coop a little bit. >> that's right. enroll america's main campaign is called get america covered. and it uses both campaigns on the ground as well as enormous amounts of seven-figure ad buys to do one thing and that is to get more americans enrolled. that is not a charitable purpose. that's a financial benefit. >> do you have any idea who their big donors are? >> well, we know that h&r block has given them contributions. we also know that the rob erred wood johnson foundation of johnson & johnson has given them $13 million. in addition to all of that, they ha

and then -- and i pay blue cross $257 a month. >> so what are all your other expenses?t are the things you have to pay for every month? >> i have nine different bills. my garbage. that's $18 a month. my gas bill is all budgeted to $94. my electric bill. last month it paid $139. my cable is $68.53. and my phone was $52.79 this past month. and my water is $68.82 a month. >> so once you get your social security check, plus your other bills, that money is gone? >> yeah. >> yeah. no matter where you live, ageing is an expensive proposition. but more and more frequently, parents are having to rely on their children to help bear the expenses. my aunt sandy has been caring for her ailing father at her home. >> hi, pop? how are you today? >> he suffers from dementia, and now requires 24-hour-care. >> how old are you? >> should i tell him? i'll tell him. 96. tell him 96. >> 96. >> yep. >> well, i hated to tell that. >> i have took care of many people, but he surprises me. >> yeah. >> he surprises me. you're a surprise. >> sandy is a good daughter? >> oh, yeah. >> because we're a

residents, residencies of physicians, is under the aegis of medicar he pointed out to me there's no blue cross, blue shield or aetna residence program in hospitals. yet i find physicians here in this institution that did their residencies under that aegis would want to get rid of medicare. i could go on and on. i'll leave it at that. i am going to adamantly oppose this, and i do believe that mr. young is approaching it from the standpoint that i find reasonable, and that the very same time, quarrel wh the fact that we're going to have to get on with implenting this law, otherwise we're going to start all over again and have to implement something, otherwise i promise you erybody in this room that health care insurance is going to go up, and it isn't because insurance companies are bad people or hospitals or physicians are bad people. or that attorneys and malpractice are bad people. it is the nature of business that it goes up. i haven't had it go down any time in my life. anybody in here that had their insurance go down, raise your hand. thank you, m chairman. >> gentleman yields back. i than

three years later it cost more than the plans offered by others and blue cross. next year they will be the most expensive plan, surpassing even blue shield. >> i am surprise bed that. >> david is very happy with kaiser, but rising prices might make even good consumers think twice if employers want a bigger contribution from the paycheck. >> like everything, you weigh price. you always think about that. so it's another thing to consider. >> we tracked down the healthcare giant's former ceo, who was in charge during the price hikes. as big employers look for bargains, he says we have to buy his books for answers. >> i really recommend you read the books. they are really good. they are very clear. they explain all the issues, they explain the entire agenda. >> a proposal at the capital would force kaiser to reveal how rates are being calculated and what the rates are being spent on. but the hmo thinks it's an attack on its business model. they say kaiser permanente is committed to find being the concerns behind the bill. we share the goal of making affordabwhile empl

three years later it cost more than the plans offered by others and blue cross. next year they will be the most expensive plan, surpassing even blue shield. >> i am surprised by that. >> david is very happy with kaiser, but rising prices might make even good consumers think twice if employers want a bigger contribution from the paycheck. >> like everything, you weigh price. you always think about that. so it's another thing to consider. >> we tracked down the healthcare giant's former ceo, who was in charge during the price hikes. big employers are looking for bargains, he says we have to buy his books for answers. >> i really recommend you read the books. they are really good. they are very clear. they explain all the issues, they explain the entire agenda. >> a proposal at the capital would force kaiser to reveal how rates are being calculated and show what the rates are being spent on. but the hmo thinks it's an attack on its business model. they say kaiser permanente is committed to resolving employer concerns behind this i will bill. we share the concern of w

make with federal or state government or private for-profit insurance companies or nonprofits like blue cross and blue shield. >> host: you know what? michael, i apologize we're going to have to leave it there so we can get some more callers in. harriet washington. >> guest: hi, mike. good question about obamacare and mental illness. obamacare represents a huge step forward in the treatment of mental illness, but what's interesting is mental illness in is very like physical illness in the terms of things that separate people from great care. one is insurance, he's done exactly what i think should have been done, mandating when he can that people who can't afford to pay for insurance get it and people who cannot afford to get it receive it. and to divorce it from employment is a brilliant move. it was a very strange relationship anyway. most countries don't subscribe to it. so that's very, very important for mental health care because many people who have mental health issues find that they are linked -- they are chained to their jobs. they couldn't change jobs for obamacare because they could

three years later it cost more than the plans offered by others and blue cross. next year they will be the most next year they will be the most expensive plan, surpassing even blue shield. >> i am surprised by that. >> david is very happy with kaiser, but rising prices might make even good consumers think twice if employers want a bigger contribution from the paycheck. >> like everything, you weigh price. you always think about that. so it's another thing to consider. >> we tracked down the healthcare giant's former ceo, who was in charge during the price hikes. as a lured big employers, look for bargains. but he says we have to buy his books for answers. >> i really recommend you read the books. they are really good. they are very clear. they explain all the issues, they explain the entire agenda. >> a proposal at the capital would force kaiser to reveal how rates are being calculated and show what the rates are being spent on. but the hmo thinks it's an attack on its business model. in a statement they said that kaiser permanente is committed to resolving employ

i taught for years in new jersey in your both covered by blue cross blue shield. i had to go out on the stand could not finish return and -- my term but i had a stroke i lost my insurance but was still covered under his but when he passed away they informed me know my insurance is not under free under his i have to pay but every year my premiums are more and more now is $1,200 taken out of my pension check. i have to have it so it doesn't matter if i heard obama say something if you are injured and he paid premiums you will get many back this year or something to that effect? i don't want to upset blue cross or blue shield in case they will not insure me anymore but could you the answer that for me? >> i very sorry for the loss of your husband having to deal with those insurance issues but what the president is talking about the health care law requires insurers to spend 80 percent of the premium dollar on health care benefits not administrative costs like the salary of the ceo. he is really referring to those who buy their own health insurance in the individual m

has germed what your income and how much the government will play blue cross versus what you pay. the i.r.s. has an integral role, huge role, in figuring out how the subsidy system will work. personally i think that tsh- host: mr. scully, i was going to ask you if you agree with the house republican strategy to defund the affordable care, specifically up for a vote on friday is a bill by representative tom price, republican of georgia, that would prohibit the i.r.s. from implementing or enforcing any aspect of the 2010 health care law. guest: i like tom price. i know him pretty well. i personally would not have voted for president obama's plan because i think it's too big and too much. i think the medicaid expansions were massive. the exchanges were massive. i think it's unfortunate it wasn't bipartisan. i spent a couple years of my life designing and getting compared part d passed. my opinion the smartest thing we did right off the bet whether we like it or not, we spent a lot of time with senator kennedy, den, and balk cuss -- bachus -- baucus. we passed it in a bipartisan fashi

she has blue cross blue shield.sident say that everybody premiums will be coming down or already. my wife says her bills keep going up and up and up. we have never gotten a rebate. we were wondering when our bills are going to start going down. host: well, the white house says that the health care law will result in $500 million in rebates, and it will be distributed among 8.5 million people. next up is a democratic caller, carolyn, calling from illinois. ller: well, i'm in agreement with the man that just called. in this area, everybody's health costs are going up. their insurances are doubling. i don't know where the president lives. if he lives in this country or someplace -- we live in a different country. the health care goes up. the health care cost goes up. what they are doing for you going down. host: our next caller is also a democratic caller calling from wyoming. caller: yes. my question is, the rebates i think are a really good idea what he's talking about. the question that i have are basically employer

dropping out, there's a few smaller ones, but what you name is blue shield of california, anthem blue cross, dominate the market. what happens is there's a tighter control now that you got united and aetna dropping from the insurance programs so rates go up. what they are trying to do desperately out here is get propaganda campaign pushed by democrats like nancy, pass the bill see what's in it, pelosi, to see what the quote-on-quote, benefits of obamacare are pushed to people. you see stories like, for instance, covering california giving them nearly a billion dollars to los angeles unified schools, the second largest school district in the nation giving them, setting up a program to train their students to promote the glories of obamacare to families, friends, and fellow students. >> hi, it's -- >> they use taxpayer money to push this propaganda system out there. it's absolutely insane. >> monica here, on the point about the propgan propaganda, isn't it designed to cover up two things? number one, a broken promise by president obama that if you like your health care and like your health in

we are paying $1000 per month for blue cross blue shield. i received an e-mail the new rates starting in september. $1502 a month. how is a healthcare plan helping me anyway? we make a little over $60,000 a year. to pay $18,000 for one year for healthcare seems insane. that is my question to you. very: you have said concisely what the problem is for democrats. with support of this bill. that is what you heard a congressman sound so urgent. we want the president out there using all of his eloquence to support the bill, and to convince people like you that yes it may be going up right now, however and the longer run, this is somehow good for the country. all of the people not currently covered will be covered, and that will be good for the country. but it is the case that is not obvious when you open the envelope and look at your own bill. it is going to be a tough one for democrats. i think they have delayed the business side, but individuals that aren't currently covered are going to have to start buying premiums, including young people who