oliver wyman report. the presiding officer: without objection. mr. alexander: finally, mr.dent, the young and the healthy can skip out of that. that will drive up premiums. they may decide they will pay $750, fine, than pay $750 for an insurance policy they think they don't need. the american academy of actuaries wrote a letter on the reid bill on november 20, said, "any premium vairgses by age limited to 3.1 ratio between the highest and lowest premiums," and then it goes on to say, "would cause higher premiums on average relative to current premiums." i ask consent to include in the record the letter from the american academy of actuaries, november 20, 2009. now, all in all, mr. president, these factors suggest why, when senator collins took a look at maine, she found that 87% of people in maine are paying less for their individual policies than the policies would cost under the reid bill. it is true that half or more of them would receive some subsidy which would reduce their cost, but around half of them will pay more. and in tennessee, bluecross blueshield, which cover