the naic has learned is we do not enter into the policy considerations. it is an ample mention -- implantation job. there are some who are elected. there are some that are appointed by governors. they may be appointed by a commission. in policyent generally. to >> before we leave this topic, to be clear, even in the 17 states that are deciding to go along with that, there's no guarantee that people keep their policies will get the same rates. is that correct? >> that is correct. of questionsmber that have come up about the decision to have the health and human services department not implement that part of the law that basically required terminations by a certain date in cancellation notices were sent out accordingly. the concern is about having the policies extended into the next year, some people will decide to do that. some people will decide not to. there's always a concern that people with health conditions will want to extend the coverage. others will choose to opt for other coverage elsewhere. is now there will be two different pools of individuals

. >> one thing the naic has learned is we do not enter into the policy considerations.is an implantation job. there are some who are elected. there are some that are appointed by governors. they may be appointed by a commission. no engagement in policy generally. >> before we leave this topic, to be clear, even in the 17 states that are deciding to go along with that, there's no guarantee that people keep their policies will get the same rates. is that correct? >> that is correct. there is a number of questions that have come up about the decision to have the health and human services department not implement that part of the law that basically required terminations by a certain date in cancellation notices were sent out accordingly. what the concern is about having the policies extended into the next year, some people will decide to do that. some people will decide not to. there's always a concern that people with health conditions will want to extend the coverage. others will choose to opt for other coverage elsewhere. what that risk is now there will be two different