secondly mean there's something called the mineral mosser sharon which is an edict by the affordability character that quantifies how much an insurance company can actually make a profit last and declared as administrative cost. when you look at the minimum loss ratio to the have necessarily limited cheaper coverage under the so-called high deductible health care plan. high deductible health care plans are not only cheaper in but there are more desired, the most popular choice over the past five years, the increase of employer sponsored health insurance by employees. why? because they're cheaper. you get to take money can be put into a savings account and you get the money afterwards. and it really, wellness programs and other screening. people actually wanted to encourage healthy living. these things are excluded by the minimum loss ratio or at least flooded by though minimal loss for sure. the third and perhaps most important thing that we are really doing is the idea that health insurers announced, the insurance policies must use guaranteed issue. no matter what preexisting condition