colgan roose the offering this at coverage for over 60 years. we seek to offer innovative and affordable products to meet the diverts healthcare and financial needs of our customers. in our current healthcare delivery system, the individual insurance market operates primarily for families who do not have access to group insurance or government benefit programs. we have long advocated that our country needs comprehensive reform that includes modernizing our delivery system, tecla in the fundamental drivers of healthcare costs rath, strengthening employer-based coverage and providing well targeted support for low-income families. to be effective, to be effective we believe the modernization of the individual market these contain all of the following elements. first of all, individuals must be required to obtain or maintain health coverage so that everyone who participates in both the benefits and the cost of the system. second, ensure should be able to set rates within limited parameters of age, geography, family size and benefit design just as th