i want to let louise radnofsky jump in.st: it is an interesting story, and the details set out a lot of what is going on. the choice you would essentially have is between finding a way to meet your insurance costs that you had before that sort of works, even though the drug is very expensive. and now the choice is between paying a large amount of money for insurance plan that does not actually cover the thing that you want to cover and then finding the money for the drug still. or choosing to forgo the insurance plan because it does not seem to be a value and then finding a way to pay the penalty. that has stuck a lot of people with difficult and painful choices that they feel very angry about. and there is certainly a an ongoing issue about what the insurance plans in the exchanges will be able to cover. there are a lot less expensive -- they are a lot more expensive than they used to be because of what they are required to cover. and you push one button and it works well for somebody and not for another. you have people t