. >> chairman stupack, congressman waldman, mears of the subcommittee i'm don hamm president and ceo of assurant health. welcome this opportunity to birds is a bait in the hearing today. is the dialogue like this that we can continue to address one of the most challenging issues of our time, providing health insurance coverage for all americans. we appreciate that this subcommittee in congress are committed to finding the right place to address healthcare reform. if the system can be created where coverage is available to everyone and all americans required to participate, the process we are addressing today, recision, becomes the necessary because risk is shared among all. i passionately believe that all americans must have access to high-quality, affordable healthcare regardless of their income or their health status and i am proud to lead a great company that provides health coverage to individuals and families in 45 states. people need their products and we are proud to provide them to thousands of americans. individual medical insurance is affordable and belongs to each consume