the changes have turned out to be lest costly than the medicaid expansi expansion.dicaid and covering them and providing generous assistance, the bill will do a lot to make sure that they can use the same plan, doctors, hospitals. that will help with the continuity of care, access to care, and make sure that people get the best possible delivery they are not getting today. >> i imagine you don't necessarily agree with all of that? >> no, i don't. the exchanges have worked for a lot of people and not for ores. it is important because it is where people go if their employer doesn't off coverage. he did not get his insurance from an employer. maybe we'll go back to those days, but they're talking about having maybe one insurer on that. but keep this in mind, too. i would rather have one that selling quality coverage than five insurers, four of which sell practical insurance. people will be signing up for coverage they think has value, and when they find out too late it's not what they need. >> premiums have doubled, doubled -- >> to be fair, premiums were increasing su