. >> hi, i'm julia appleby with kaiser health news. there's been a lot of talk in the last week or so about whether we know if the folks signing up had insurance previously or not. and i know that's a difficult question to answer. but are any of you tracking that? and do we have a way to track that? and what do we know about that? >> actually, we started having these discussions about a month ago, and we're beginning to discuss with our department of insurance, as well as the insurance carriers that are participating with us, about how we track this. some of our insurance carriers do, and maybe one doesn't. so, we have been thinking about the same thing, because we want to get a clear picture. a lot of people can't afford insurance without the tax credit, and they have absolutely -- i mean, they can just go directly to an agent or to a carrier that they know and they're familiar with and they're not dealing with the exchange. so, we know that the numbers of people that are getting insurance for the first time possibly, or a better rate

. >> hi, i'm julia appleby with kaiser health news. there's been a lot of talk in the last week or so about whether we know if the folks signing up had insurance previously or not. and i know that's a difficult question to answer. but are any of you tracking that? and do we have a way to track that? and what do we know about that? >> actually, we started having these discussions about a month ago, and we're beginning to discuss with our department of insurance, as well as the insurance carriers that are participating with us, about how we track this. some of our insurance carriers do, and maybe one doesn't. so, we have been thinking about the same thing, because we want to get a clear picture. a lot of people can't afford insurance without the tax credit, and they have absolutely -- i mean, they can just go directly to an agent or to a carrier that they know and they're familiar with and they're not dealing with the exchange. so, we know that the numbers of people that are getting insurance for the first time possibly, or a better rate