>> the coverage is pride to include mammograms, colonoscopy, exa minations and subsidies for other evaluationscontinues to escalate in the insurance companies have to provide these products while at the same time to make a profit. so over the next eight years the cost of health care for families for private health insurance will go up $7,000 under the affordable care act. gerri: that is the expectation / the number of americans, talk about the number of services, what do you make of that? what is the impact on corporate policies? >> there is a couple of tears there is a new requirement to increase the cost of providing health insurance for employers particularly small employers. and the way that they could dodge those into private exchanges even the skiddy plan. the stages require a higher level of costly coverage. but the mandate does not require very much but minimal and is essential coverage and that is a much senator requirement so there is a lot of ways to buy something that would qualify under the individual mandate and not to be as extensive as the exchange plans. gerri: day you agree?