is that -- has that balanced been worked out yet, sabrina corlette? >> no one has a crystal ball so we don't know who will enroll in these exchanges and whether they will be older or younger. certainly for people who are trying to buy health insurance on the marketplace today or before these reforms go into effect they're going to get a better deal, a better value on these exchanges than they can possibly get in the individual market today. and that's because they'll be able to access subsidies and they'll be able toking a sense comprehensive coverage that covers things like maternity care, prescription drugs, mental health, hospitalizations, things that you can't know with confidence are covered in the individual market today. >> ifill: you don't agree with that? >> well, here's the problem: remember that it isn't just the premium and the premium subsidy. it's also the deductible and the copayments that you have to make. and in particular my favorite example, 2-year-old guy, perfectly healthy-- or at least so he thinks-- not that interested in health