why the white house was delaying that open period of enrollment to october pre-election to november posto leengz. >> we're doing this because it makes sense for insurers to have as clear a sense of the pool of consumers they gain in the market this year before setting rates for next year and because of the problems in the implementation of the website on healthcare.gov that has experienced. it has slowed enrollment in the early stages here. we expect that what was already going to be a backloaded process will be more backloaded and that would then leave insurers with a lot of data to try to sort through. >> okay. here's the problem with this, senator, maybe you can clear it up for me. jay carney says we're doing this because it makes sense for insurers, a better idea how to set the rate. here's the problem is that the rates are set by the insurance companies. this morning they were supposed to be set by april, which is six months before october. they've extended that to now may as a result of this afternoon. so the insurance company rates are going to be set as of the end of may of 2014.