where peoplestates are doing their own work, we will see a lot of people saying they are not ready. > none of the delays or postponements the administration has announced have affected exchanges. to clarify, actually, because you brought up the point about these delays we keep hearing about, the one that we talked about yesterday, which my colleague reported back in april, was essentially -- it actually had nothing to do with the exchanges. there is an out of rocket attacks on how much people have to pay for their total out-of- pocket expenses, both medical expenses as well as pharmaceutical expenses. year for a individuals, and about $12,700 for a family. if you buy your insurance on the exchange, starting january 1, that will be in effect. whatever you pay, you will pay your premium, and in addition to that, you will not be asked to pay out-of-pocket more than $6,350 or an individual and family coverage. what got delayed is the application of that provision to employer-sponsored plans. it is really only for people who generally work for large employers where you may have a benefit m