for doctors shamani and mr. jost. you've all been talking about choice and this wide choice that consumers have. now part d, gave consumers a lot of choice and what studies have shown is that consumers don't know what to do with the choice, that they're bewildered by more than two or three choices, if you look at the health choice benefits program which they're on. there's also a choice there, and i think most people stick with what they have complicated to deal with all the choices. and have you factored this in to the way you're going to roll out the plan or help consumers or in the design of how the marketplaces set these choices up for people? in health care, choice of provider works very well. choice of plan has not worked very well, at least in those two instances. >> well, there's a couple of different ways of addressing that. one is to either standard -- well, to standardize plans -- >> right. >> some states have done that so that of course the affordable care act went a long way towards standardizing plans by

for doctors seshamani, and mr. jost, you've been talking about choice and wide choice consumers have. now part-d, gave consumers a lot of choice and what studies have shown is that consumers don't know what to do with the choice. that they're bewildered by more than three or four choices. if you look at federal employees health benefit program which i'm also on, there is also a choice there and in fact i think most people stick with what they have because it is just too complicated to deal with all of the choices and have you fact are tored this into the way you're going to roll out the plan or help consumers, or, is it designed of how the marketplaces set these choices up for people? in health care, choice of provider works very well. choice of plan has not worked very well, at least in those two instances. >> well there's a couple of different ways of addressing that. one is to, well, standardize plans. some states have done that so that it, and of course the affordable care act went a long way towards standardizing p

so as mr. jost mentioned supreme court did grant cert on this issue. we may understand what that means in terms of impact on the decision and when it will take effect, many other individuals may think, that means i don't get a tax credit. in addition to the fact that the data that they had with regard to their taxes may change. so i was just wondering what the efforts were that have been made to address this specific issue. >> well, i think there are representatives of the media in this room and i hope they help get this message out that the effect is going to be prospective rather than retroactive. people should go ahead and enroll. as to what the supreme court will do, i'm hoping that obviously that they conclude that the irs is properly interpreted the statute and that solves the problem. if they don't, there are very serious problems that face not only millions of americans who receive premium tax credits now and who would lose those, but really the non-group market in two thirds of the states. we could because of all the carry-on ramifications of

so as mr. jost mentioned the supreme court did grant cert on this issue. while you and i and many educated consumers may understand what that means in terms of impact on the decision and when it will take effect, many other individuals may think that means i don't get a tax credit. in addition to the fact that the data that they had with regard to their taxes may change. so i was just wondering what the efforts were that have been made to address this specific issue. >> well, i think there are representatives of the media in this room, and i hope they help get this message out that the effect is going to be prospective rather than retroactive. people should go ahead and enroll. as to what the supreme court will do, i'm hoping that, obviously, that they conclude that the irs has properly interpreted the statute and that solves the problem. if they don't, there are very serious problems that face not only millions of americans who receive premium tax credits now and who would lose those, but really the non-group market in two-thirds of the states that we cou