and here to answer them is sandy metcalf from consumer reports.r being with us. >> my pleasure. >> some are saying you have to buy a new policy, and it might cover more but it's more expensive. are these people be asked to buy the policy and things they don't need? >> the reason they are being cancelled they are not adequate to the new rules of the law, and the thing that is not adequate is they don't cover everything they need to be covered and the policies may not have prescription drug coverage or doctor visits, and the new policies that are being sold have to offer that stuff. >> they offer protections on not being covered for preconditions. >> yeah. >> when you hear these stories like men being asked to buy maternity coverage, for example, it's a great headline. >> right. >> can you talk about the idea of individual versus group insurance with risks? >> the whole idea of insurance is that you pool the risk of all kind of health care you need, from maternity to hospice care, and that's what medicare and medicaid does and group insurance and th