i really have recommended to insuranceigateers and brokers because it is so isn't as easyd it as buying an airline ticket on orbit. you have to know something about it and sit down with somebody who could help you likely nd what you are to pay and to ball out. if you are somebody who takes a prescription drugs it may well make more sense to pay higher premium because particularly if there is a separate deductible for prescription drugs. jarring and even group insurance people are having to every 0 here and there time they get a drug. > talk more about the separate deductible for pharmaceuticals -- ate fairly g common or becoming more common, i should say and there is a group or at least the insurance employer provided nsurance will be able to do that if there's an outside they y manage the benefit can charge a separate deductible have done plenty that that and people aren't happy. >> john in florida, republican caller. morning.es, good given all the downside we hear young people ram, won't be buying into this, how long do you project it will be roof caves in? >> i'm not going to make an