texas.up next, conroe, he's insured. hello. >> hello. good morning. call.d of 2012, i'm insured, policy.red on my wife's and when it came time to reup it 2012, the of were nce company that we covered under which was united and they upped their premiums by than 100%. and so he went with a different company. point ncerned me to the where currently employers -- the man date is here for a year. nd so i haven't really heard a whole lot of discussion on this. i would like to hear some. to what is in regards appens to the system when the employer mandate waiver expires. those of pect to see us who are employed the premiums companies that we have, will those premiums go up to needs and mands and regulations and so forth? and thank you for your time. >> this is a concern that has expressed and aptz you note, the employer mandate has been delayed for a year. hat that is for people who don't know what it is, most employers who have 50 or more offer coverage or pay a fine. that, again, is postponed from 2014 to january 1, 2015. so employers are in the process and makin