host: all right, paige winfield cunningham?t: there are provisions limit how much insurers can spend on overhead. it depends on the size of the 75% at, but it is 70% or least of that has to be spent on actually paying out health care benefits. so the law does contain measures trying to make sure that insurers are not profiting more than perhaps people think they should be. as far as the premiums, the caller is right, they have been going up for years. sometimes by double digits, often in the low double digits. host: are they expected to continue to rise? hard to say.s i do not think the projections perhaps, reliable or concrete, because we do not know how many people will be signing up and exactly who they will be. but what we are seeing right now, even with the low double-digit increases, that is really comparable with what we have seen for about a decade. host: minnesota, democratic caller. caller: first thing i want to say, i have been paying attention -- if you live in a state where they set up their own plan and the people

host: all right, paige winfield cunningham?guest: there are provisions that limit how much insurers can spend on overhead. it depends on the size of the insurer, but it is 70% or 75% at least of that has to be spent on actually paying out health care benefits. so the law does contain measures trying to make sure that insurers are not profiting more than perhaps people think they should be. as far as the premiums, the caller is right, they have been going up for years. sometimes by double digits, often in the low double digits. >> good morning everybody, how are you? david, i went you out here with me. why don't you come out here on the other side? um -- i am going to make a statement. then i need to rush out of here. i have a phone call in 10 minutes. i will leave david here with you. david is a nominee and not going to say anything at this point in time. i wanted to have a chance to introduce him to all of you. as we release the international religious freedom report, which we believe is a very important statement, that unders