ms. tomlinson. >> that's a good question.i think if we move in that direction of creating more incentives for people to purchase private long-term care or reform the marketplace to all those kinds of things, we continue to regulate at the state level the way it always has. there has to be more of a federal -- there has to be more of a federal role in setting the bare-bones standards. i guess you could call parameters around which of the policies would be designed and how they would work. fundamentally the marketplace is not working. we need some actual marketplace reforms. those come from a federal level. issues around the regulation, around the insurance pools and that could continue to operate at the state level. >> senator nelson, i'll just point out in the current regulatory set a come as states the main responsibility. as part of tax issues, the federal government does have some role in terms of design of long-term care insurance policies. one would imagine if there were additional tax incentives provided that naturally

ms. tomlinson the questions addressed earlier to ms.tumlison, you remind us that we are going to pay for this in terrible ways. thank you, mr. chairman. >> thank you. senator whitehouse? >> i hesitate to jump in, because as far as closing words go, what senator warren just said -- if we do in, because as far as closing not do something, we are still going to pay for it. we are just going to pay for it in really terrible ways. that is kindthat is kind of a gg soundbite for the whole thing. what i go after you, so i get to follow-up on a great closing. ms. tumlison about -- what we are seeing in rhode ms. tumlison about -- what we are seeing in rhode island is people who have made the responsible choice, invested their money into a long-term care insurance policy, are now finding that the premium is going up pretty dramatically, to the point where for some people it is no longer doable. that is particularly frustrating, because you have paid in all this time. you have a connection to that policy. to bail on it makes everything you have pa

ms. anne tomlinson. she is the senior vice president at alethea health.she will set the stage on what the current landscape is like. and then, we are going to hear from members of the long-term-care commission. they are going to share. dr. bruce chernof, president and ceo of the skin foundation. dr. chernof served as the chairman of the long-term-care commission. dr. mark warshawsky. we are going to year from dr. warshawsky, adjunct scholar at american enterprise institute he is the commission space chairman. i meant, dr. judy feder. doctors feder is a professor at georgetown public policy institute and fellow at the urban institute and also served at the pepper commission staff director under my former colleague of which i was the president of the claude pepper fan club. she served. either way, there was an example for those of you who were not here in washington in that era. claude pepper and ronald reagan would go to it. but at the end of the day, they were personal friends were than they could work it out together. one of the great examples of battles

ms. anne tomlinson. she is the senior vice president at avalere health. she will set the landscape on what it's currently like. and then we're going to hear from members of the long-term care commission. they're going to share. bruce chernof, dr. bruce chernof, the president and ceo of the scan foundation. dr. chernof served as the chairman of the long-term care commission. dr. mark warshawsky, we're going to hear from dr. warshawsky, adjunct scholar at american enterprise institute. he is the commission's vice chairman. and then dr. judy feder, one of the commissioners of the long-term care commission. dr. feder is a professor at georgetown public policy institute and a fellow at the urban institute. and also served at the pepper commission's staff director under my former colleague of which i was the president of the claude pepper fan club -- [laughter] and she served for claude pepper. and by the way, i mean, there was an example. for those of you that were not here in washington in that era -- [laughter] claude pepper and ronald reagan would go to it.