i want to extend a special welcome to miss peggy raddatz from my home state, from la grange. i thank you for being here and sharing your family's story with us. i know it isn't always easy to discuss personal matters. but you certainly are helping us to make better health care policies. and i thank the witnesses for helping us. when a consumer goes to buy a health insurance policy they try to identify the best policy to heat meet the health care needs of their family. at no time do they imagine that once they buy a policy, they might get sick and their insurance will simply rescind their policy and leave them without coverage, but with a high pile of bills. the practice of post-claims underwriting in the private market is wrong and we should prohibit it. let's face it uks it's already hard enough for an individual or small business owner to find health insurance. in my state of illinois, there is no requirement that insurers take all-comers. i've heard from constituents over and over again who are unable to find a policy really at any price. those who do get through the insur