. >> commissioner gearhart, thank you for being here today. it is great to have someone representing iowa and sharing some of our concerns. testimony only because it is the same thing that i've heard over and over again as i'm traveling across iowa. what i do not enjoy about that is the fact the stories that are being shared by our wonderful iowa families are stories of hardship and what the aca has done to their families. we all have very serious concerns about how our families will be able to continue to ,fford the affordable care act those insurance policies. i hate to say that i agree with and folks across the country have been placed in situations where they are attempting to decide, do i pay or purchaseage health insurance? i have heard that time and time again, it is either a mortgage payment because the insurance , iss are so much more now it a car payment, a truck payment, a tractor payment. there are so many considerations that families are now making that they did not have to make a number of years ago. a family of three in kossuth