san antonio, texas, martha, a democrat, you are on with samantha artiga. caller: when the children get insured, do the parents have a job or not? at the end, sometimes they have to pay penalties. why is it that the government charges a penalty for the grown- ups because they have insurance when they have applied for medicare b? i think that is not the right thing. now they are going to charge for those of you do not have insurance for grown-ups and their children. now they have to pay for penalties. i do not see the logic. we send the government money for so many years by paying our own way even when my husband had no job. we made sure we had insurance for our children, health insurance and life insurance. insightt's get some from our guest. guest: i am not sure which penalty she is referring to. she could be referring to the fact that when the house reformed some key provisions for 2014, individuals will be required to have health insurance. if they do not meet certain criteria, they will need to pay a certain amount of penalties. the situation facing chi