commissioner kreidler?>> i think what's been talked about is allowing insurance cup race to be able to innovate and make come offer changes without being unduly impeded. at the same time we meet at the standardization so they maintain respect and. and. you want to insurance coverage gaming the system so they can to help the people at the expense of less well. that's very harmful for the market and certainly to the individual group market that we have right now. so it's really starting to have some standardization. at the same time you've got to allow them to innovate. one of them is going into these narrow networks which we have an obligation to make sure there's an adequate network to provide the services and the promises that are made with that particular policy. but allowing them to go there and come to a highly managed plans that we are seeing a trend right now in the marketplace. it's an innovation that can help hold down costs but it needs to make sure they don't game the system inappropriately at the

kreidler. mr. kreidler, just think out loud or a fair amount about risk pools and the steps that the state like to take. give us a short list of things that you would recommend when the election is over with the new congress and new presidents, what are some things we recommend-- you recommend we do at this end and that the states could and should be doing at your end? >> senator, i appreciate the question because i think what i have noticed even in the discussion we had been holding this morning is that there is more of a focus right now on what we can wind up doing to make the system work better and one of them certainly is the concept here of having some form of a reinsurance risk pool that would help mitigate the risk and exposure that insurance committees would have so they don't wind up with the particularly very sick people or many of their people are much is sicker that there is more of an adjustment here between the insurers, so they can predict their exposure and have the benefits of a mu

our final witness is the honorable mike kreidler. he is washington state's insurance commissioner. he served in the house of representatives representing washington's 9th congressional district. >> thank you very much, chairman johnson, ranking member carper, and members of the committee. i'm the longer serving insurance commissioner in the country currently, and it's a position that means that i've served for ten years before the affordable care act and six years now. because it is the law of the land, i've been working diligently to implement it to the fullest extent possible in the state of washington. it has had a profoundly positive impact on the state of washington not without problems, but profoundly overall very positive. we really need to look back at what it was like in that environment before health care reform. we have approximately 7 million people in the state of washington. nearly a million of them were uninsured. that was 14% of the population. we were experiencing something like $2 billion a year in uncompensated care. that's care that's being paid for, but it's co