we try to walk through this now with louise radnofsky of the "wall street journal." louise, for a long time the opponents of the affordable care act have threatened that premiums were going to go way up once these exchanges opened and people had to buy their own insurance. now the administration answers with its own survey of the products being offered in those exchanges. what do they have to say? >> well, the data has something for everybody. it is true that for young, healthy people who previously got very attractive rates because they were known to insurers to be a really good risk, they might see that their skimpy products that they currently have aren't available anymore and that their rates are going up once they're being treated blindly. at the same time, if you were an older or sicker consumer and you were being rated on your health status, you won't be rated on it next year, you might see your premium go down. you might see you're getting a more generous coverage for a similar rate. this could be a big win. the administration is also able to point to the rate