mcpeek, did you have something quickly? >> i would like to suggest if we could provide flexibility to states to provide maybe a less robust schedule of benefits still within the ehb categories, that's providing first dollar coverage for things like preventive care but at a lesser scale than what is currently in the market in the silver plan that it could attract a lot of folks in the market with a more affordable option. we hear i'm forced to buy something at the end of the day i can't use to access healthcare. >> i'm out of my time but i would respond to that by saying also it is really important for americans not to be forced to buy lousy insurance. insurance that no one else in the industrialized world has to settle for. it needs to be real. but i appreciate the desire for flexibility. >> thanks, senator bennett. senator murkowski. >> i want to follow up with some of the comments that senator bennett has just made and also, too, to thank the chairman and ranking member for this very important beginning of a good construc

mcpeek. >> thank you. i have a preference for the waiting period over the premium penalty for not maintaining continuous coverage. because there is an administrative issue for our insurers that have been participating in the exchange market with individuals coming in and out of coverage. and really trying to catch up with premium payments through grace periods and so i think from my perspective, a waiting period would be more effective to incentize incentivize customers. >> one of the things that's really been challenging for states is not all states have truly embraced the affordable care act. the expansion of the medicaid program had a very profound positive impact. creation of our own exchange. so we were more in control of our own destiny. establishing network adequacy standards reflected our values in the state of washington is something we did. most states did not take those actions. as a consequence, they've seen more in the way of rate increases. our rate increases have not gone up until this last

i fietder pilot, meryl mcpeek says in war you have to get on the right side. i really have respect for the people down there that kept the ho chi mirn trail open as i was trying to bomb it. i'm unhappy i was unable to top traffic there, that was my job. >> we translated the entire film into vietnamese and there is vietnamese subtitles and it is available in vietnam and hundreds of thousands of people in vietnam are watching it as we speak. and there is great interest there. >> the irony we have come to, very good relationship with vietnam. >> yes. we have. potentially common enemy. >> and used them as an ally in whatever competition we have with the them. >> but the larger thing is they are as conflicted about the war now as we are. we have great regreat relations. >> they viewed it as a war of independence. >> but they is a whole southern population that a lot of people weren't involved and they have been treated poorly. they haven't been able to reconcile. also their strategy was that they would not count the cost as their leader-- which means they have thos

he says yes, charging charlie beckwith, holding offer for days and days, merrill mcpeek, i have greatept open the ho chi min trail, i was proud i was able to. >> it's available in vietnam and hundreds of thousands of people in vietnam are watching it as we speak. and there's great interest there. >> rose: the ierchy, we have come to very good relationship with vietnam. >> we have potentially -- >> rose: sorts of an ally in whatever competition we have with china. >> but the largest thing is they are as conflicted as we are. >> rose: viewed as a war of independence. >> yes but they have a whole southern population where a lot of people have been not involved, they haven't figured out how to strategize, which means they have those 3 million casualties and they are agonizing could we have done it better, could we have done it with negotiations? i think in the same way that we're struggling, they're struggling in perhaps the fact that our two countries have come together that americans visit there that love the americans, think are an entrepreneurial sort of forward-looking people, they r

mcpeek. >> thank you. good morning. i am julie mcmeek. today i plan to highlight tennessee's history with the aca and discuss some immediate solutions that congress can consider to stabilize the individual insurance market. before i get started, i would like to thank you for holding today's hearing and inviting so many of my state regulator colleagues. in a interview last year i characteriz characterized tennessee's individual health insurance market as close to collapse. in the 12 months since our market hasn't collapsed but it's not any more stable and probably less so. tennessee has continued to see health insurance carriers flee the market due to the tremendous uncertainty surrounding the 20e 18 plan year as well as year over year of substantial losses. as of today and subject to change until qhp agreements are signed, tennessee consumesers across the state will have only one option in the clear majority of our state. while we feel fortunate that tennessee ians will have a opportunity for coverage, i d