so one of the reason insurance companies are doing so well, the stocks of the big insurance companiesave more than tripled since obamacare has been enacted, there are a lot of people who don't blow through their deductible. that's pure profit for the companies. there's a good argument to be played that the government should be a little more proactive and standardize, in such a way that these deductibles are not as high as they are today. >> i want to thank robert grayboy. grace marie turner. and jay angoff. i'll be back in a moment with a final thought on politics, health care, and what if anything, we owe each other. send us your thoughts on twitter, @ajinsidestoryam, or follow me and get in touch at raysuareznews. what do you think works and doesn't work with the affordable care act. we'd love to read it. >> the introduction, the debate's debate's over, the mud wrestle. the implementation of the affordable care act has been full of surprises. for years people were telling me how much they hated their insurance companies. the prospect of regulating them, so they couldn't drop you whe

for fear that the insurance company is not going to ultimately pay the claim. kathy: auto body shops in 19 states have sued dozens of insurance companies. accusing them of compelling shops to cut corners. using substandard or dangerous replacement parts to maximize their profit and steering customers away from shops that refuse to do repairs on the cheap. 17 more states including massachusetts are expected to jump in. >> use of aftermarket parts by auto insurers may help keep the overall repair costs down and the result is that insurance costs can be lower. kathy: paul tatro is a spokesman fosh the auto insurance companies. >> one auto body shop owner said the insurance company wants you to be the crash dummy. >> the insurance company has no interest in having an unsafe vehicle on the road. something happens subsequently, whatever happened would be paid for by insurance. >> they want the cheapest way safety. maybe. kathy: an auto body shop owner tells us you as the customer have the right to say no to cheaper aftermarket parts. if you feel the safety of your car

the insurance company. it's not going to be the consumer to cause we didn't invest in the public option. we are not returning the dollars into more services. we need better public advocacy in this space command i love -- we played a significant role and he was a beekeeper in healthcare for all. i think that he would be appalled at the fact that we are not holding these insurance companies accountable after giving them a market that you can't make this up. they are so preferring an self-dealing to all and self-dealing to all these businesses that they supposedly cover so they are referring to companies that they are on the board of making profits here and there into the public is being left out and no one knows this stuff and they love it when no one knows about this stuff and no one is pressuring the president to do this but i'm hoping -- >> host: and your view is that the mental patient, the patient with any kind of emotional, mental illness is at the bottom of the list of people that are concerned. and who

lemonis: you got paid $75,000 from the insurance company. the money went into the business. -gary: yes, it did. -lemonis: okay. and so i'm watching all these trails of money come from the insurance company and go into your business, and i can see the business is thriving downstairs. where is the money from all those people that are buying? gary: i think we explained that. lemonis: explain it again! gary: some of the cash goes for... -lemonis: personal bills. -gary: yeah. we've got to pay -- lemonis: just like the insurance claims. gary: yeah. lemonis: then when i go to buy a piece of property, i decided to run a title search. gary: right. lemonis: first thing that comes up is a lien. the second thing i have is a foreclosure action. gary: from kasowitz mortgage. lemonis: you never told me about this. -gary: [bleep] i didn't. -lemonis: [bleep] when? gary: you sat here at this desk when we called that guy up and told him we'll pay him tomorrow. lemonis: but you didn't tell me that he was foreclosing. the foreclosure action started before i even

so the regulators were just doing their job. you can't run an insurance company without reserves. e question is, why the reserves were so low and the fingerprints of the health-insurance industry are all over this -- they are some of the biggest lobbyists in congress along with the pharmaceutical industry, which also doesn't want any sort of public nonprofit involvement in the health care system. amy: wendell potter, you talk about the casino effect. what is that? >> the casino effect is, we in this country have to gamble on their lives and with our money. what we are forced to do in this country is, especially if we don't get coverage through the workplace, going through the exchanges to get coverage and make some assumptions about how healthy we are going to be in the coming 12 months. no one can really do that. you can't predict if you're going to come down with a serious disease or get badly injured. but a lot of people just think they're going to continue to have another year of good health. so often, make decisions, bad bets. this is what i call a casino of health insurance.

the insurance costs can be long. reporter: he' s spokesman for the auto insurance company. >> one shop owner went as far as saying insurance company wants you to be the crash dummy. reporter: the assurance company has an interest in having an something happens, what ever insurance. safety? maybe. reporter: shop owners tell us you as the customer have the right to say no to aftermarket your car may be compromised. there is an organization that ones they find are comparable to original parts. ed: i' curious about this. the ratings are in for donald trump' s saturday night live last night. heather: the numbers that are a little bit of a surprise. why trump says says some of the show was changed. ed: a new clue in the investigation into what brought down a russian jet in egypt. what can be heard on the planes blackbox. mike: the week starts fine but some much-needed rain moving i how do you reimagine "banking"? you start with this... pthen you make it... nothing like this. pyou make a capital one caf\. someplace more relaxed. pwith free wi-fi and banking advice... without all the "double talk." pand checking accounts with no m

>> there seems to be some communication, david, the health provider and the insurance company. if david had received the vaccine before checking it was covered, it is possible he could have received a bill and maybe he would have paid it because he didn't know. the best advice is to do what he did, check with both the provider and the insurance company to make sure that any medicine, treatment or procedure is covered under a particular policy. that's key to make sure it's under your policy. sometimes certain policies will cover it. in this case, it seemed to be some miscommunication. we're happy that it got all squared away. >> not all of us would think about that regarding the shingles vaccine. now we know. thank you. >>> send an e-mail to better get baquero or call us at 1-888-new 4z. >>> feels funny being so dark behind us tonight, dave. >> we changed the clocks over the weekend and temperatures not reflecting the calendar month. >> where was just outside the studio and it's throwing people. a, it's dark and no one expected that, even though we know the clocks turned back at

not only and approved the insurance companies that is what you had, but also, it is important for law enforcement. the other thing is to keep receipts if you can for your high-value items. laura: we really appreciate your expertise. this can happen to anyone. you saw how quickly it happened, 42 seconds here. we have more tips on our website, kcci.com. live in des moines, laura terrell, kcci 8 news, iowa's news leader. kevin: some good advice on the weather, too. it is getting cooler, wear a jacket. kurtis: a cold front will do that. what a dramatic change. yesterday at this time we were in the 60's. before this all arrived, we tied a record today. all record at 75. wind chill's early in the morning hour. how about upper 30's. west wind at noon. typically, we top out at around 53. six of 5 p.m. temperature, 48. 1700s in jordan creek. officially in the metro, six hundredths of an inch. a little band moving out of eldon and over toward fairfield. look at this will line of storms moving through very quickly. still some storms from st. louis down towards the boot hill of missouri and even

low-flying object, bird, plane, what have you, and neither did my friend sitting next to me. >> the insurance company house of intentionally driving the bugatti into the lagoon to destroy the car and collect insurance worth $2.2 million. house denies the allegations and countersues to collect the insurance. the matter is not resolved. while the court of public opinion devours the story, garza's video racks up millions of views. >> oh, [ bleep ]. oh, [ bleep ]. oh, [ bleep ]. >>> a dashboard camera captures a dramatic attack. a man on the hood of a vehicle attempting to break the windshield using a baseball bat. [ shriek ] august 30th, 2011. taiwan. about an hour outside taipei. a woman and her daughter are driving down a narrow street when they encounter a car going in the opposite direction. there's no room to pull over, so the woman starts backing up slowly. then two men appearing angry start banging on the green toyota. one of the men has a baseball bat. the man with the bat gets in front of the toyota and the driver starts backing up. the woman in the car, with the dashcam, continues to try to re

the data. insurance company's tell us that it is proprietary. guess who is the biggest payer for their bottom line? the taxpayer. these consumers who are paying and getting nothing for what they are paying for. it is an outrage that we are letting insurance companies walk away leaving suicide and overdoses rampant in the country, and they are to be held accountable just as much as the federal government for not covering a lot of these things. the only way is to know, to demand get this data from them. the reason he has not done it is because the insurance companies come as you know well, brought the aca into existence. so no one in the white house wants to pressure any of the major executives, anthem, aetna, cigna, humana, kaiser wants to pressure them. yet, they are all going to be windfall. the money that they will make on the share risk which we are all going through these models, who is the primary beneficiary? the insurance company. it is notnot going to be the use to -- not going to be the consumer. we are not returning dollars and more ser

instead of the insurance thought getting -- pocketing $590 a month. the insurance companies are pocketing was left over. [video clip] guest: that's a complex question. , and i think there's an article on the front of "the wall street journal," insurance is a complicated business. essentiallympanies make about a 5% margin in medicare and the exchanges. that shows that most of the insurance companies that get in the exchanges lost money. a lot of the co-ops, the nonprofits, most of them have gone out of business. is been an unpredictable business with new population and it has not been easy. many people like your caller in those unhappy have gotten huge additional benefits. it has helped a lot of people. there is a long way to shake out on this. i think the insurance business is a pretty predictable business. has worked, aca it's a long way to shake out. buying into medicare before 65 seems to be cheap at $100 per month. are 65 and you are paying $100 per month, that is less than 10% of the true cost of the benefit. buying any earlier, disguises any subsidies. aca has lots of

call the insurance companies evil, but they are just businesses. he has a business as well. ne needs to get paid for the services they provide. and thed to get paid insurance company needs to get paid. state contract with insurance companies because states can't do it here and they need to hire with the companies skill and connections with physicians and others to take care of the bills, take care of the patients from a financial standpoint. there is no getting around insurance anthony's but to expand medicaid. insurance, but to expand medicaid. host: since the passage of the have --4 million people 60.4 million people have gained insurance. million uninsured have gained insurance. let's go to caller: good morning. i am 73 years old so i have medicare. iquestion to you folks is come across blue cross and blue shield to buy my supplement plan. they offer one that you do not pay a premium for. it is also. if you go in for your yearly checkup, no fee, everything is covered. and lo and behold, i got the rewards card from blue cross blue shield for walgreens for $15 for doing that

think of the insurance plan or insurance company, for a minute suspend her you think of the insurance company. we said we will make it a health solutions company and one calling card is the retail center look at this facility we have 18 of these across the state of florida. so what happens? think of the affordable care act you can buy individual insurance but you could also walk in with your claim that has not been resolved and we will resolve that. people say insurance companies are hard to get a hold of the we put ourselves on the front line to walk again to resolve this face-to-face. we will teach you how to use the online tools people assume and then they think the customer will know how to use it even sophisticated people say can you teach me? we will walk you through so know before you go you can go online to see what the service cost, and know what is service cost, and know what is covered and how much your piece will be purple one of the great questions is daiwa to know in advance my responsibility. we teach you how to do that. the next is care consultants. held the role this

the work will be given to you and your insurance company will pay the bill. this is some kind of joke. cindy: why do we have snow falling?/ we are for jason to the month and you know how warm it is out there. look at the past 10 years of snowfall. you know how snowy last winter was. i have highlighted the years over the past decade that we' ve had the least amount of snow where snowfall has been below average. what is interesting about these seasons with less snowfall is if you look at the temperatures during the month of november, they have all been above average by a significant margin. more than four degrees. i know it' s early in the month with an entire month of november with significantly above average temperatures, it often leads to less snowy winters in the month of november. i know we are only a few days and look at this. we have more than eight inches, almost nine inches of above normal for the month. it is mild out there again. we have light sunshine and not a cloud in the sky and the temperature is above average. it was 60 last hour. southeast. 60

insurance companies. nbc spoke exclusively to the prosecutor today. >> he caused the insurance companies to finance the expansion of his business. >> reporter: as first reported by the associated press, in a bid for leniency, ben carson wrote a letter to the judge saying next to my wife of 32 years, there is no one on this planet i trust more. he testified at costa's sentencing. they became friends because our value systems were almost identical, adding, i love him. >> fraud is fraud. dr. costa pleaded guilty to fraud. >> reporter: costa avoided prison, getting three years of probation, including a year under house arrest in this mansion outside of pittsburgh. even that sentence was reduced by a year because of his work with carson's charity. but four years after carson appealed for leniency for his friend he argued the opposite for everyone else. calling for a saudi arabian solution for fraud, not advocating chopping off people's limbs, but stiff penalties. no less than ten years in prison and loss of all of one's personal possessions. costa and his lawyer declined comment. no comment from carson, arriving at a

. >> judge judy: the insurance company never got the money?> no, your honor. >> judge judy: explain that to me. >> announcer: now a business owner picks up the pieces. >> he took the client's money, marked the receipt that he sent the money, he kept it, and pocketed the money. and these policies canceled. >> judge judy: you have a whole group of people who were allegedly defrauded. >> he messed with these clients' lives. >> announcer: "judge judy." you are about to enter the courtroom of judge judith sheindlin. the people are real. the cases are real. the people are real. the cases are real. the rulings are final. captions paid for by cbs television distribution insurance-company owner dawn mccarthy is suing her former employee, steven hartmann, for stealing money from her clients. >> byrd: order! all rise! your honor, this is case number 215 on the calendar in the matter of mccarthy vs. hartmann. >> judge judy: thank you. >> byrd: you're welcome, judge. parties have been sworn in. you may be seated. folks, have a seat. >> judge judy: ms. mcca

started to find contractors. >> i gave the insurance company three bids. and, you know, range from $183,000 to $245,000 for damage. and i took the middle bid. >> reporter: insurance company said it would cover about $56,000 in repairs. and bridget said that's not near what it would cost to fix it. now the back and forth negotiations have led to delay in construction. >> working with construction company takes so long to get things done. you have a meeting with them and people look at the house. and then you do not hear from them for six weeks. >> reporter: insurance company has inched up in what it will pay. but bridget said she does not have $30,000 difference. so she is still fighting. >> if i was not a single mom with three kids i could probably can't. >> reporter: fox 25 news has office received 90 complaints this year. some involving unpaid claims. they tell us document damage keep all receipts. and like bridget do not be afraid to not accept what your insurance company offers. and keep in mind most policies give only two years from the date of loss to

the nation's largest health insurance company, united health, maybe ready to bail on obamacare. could that for the individual insurance market on life support? the head of health policy associates? is it a big deal? >> it is a huge deal. th arere saying they think they will lose 700 million over these two years and they can't make money. if the biggest, smartest insurance company can't make money, who can? sharyl: they expect to lose four and $50 million on obamacare this year alone. they intend to make exit in 2017. some might say this not a huge blow because united was not the biggest player. they have plans selling in 35in states and only 5% of the obamacare or affordable care act customers. >> is part of the big picture. you're the biggest insurance company think they can't make money, but in addition, the 30 not-for-profit blue cross plans are all losing money, and it is because of obamacare. in addition that, we had 12 of the 23 obamacare insurance co-ops fail. when you start putting these tips together -- these things together, virtually everyone is losing money. sharyl: i

but when millions of people stand up and are prepared to take on the insurance companies and the drug companies, it will happen and i will lead that effort. medicare for all, single-payer system is the way we should go. [applause] nancy cordes: secretary clinton, back in -- [cheering] secretary clinton, back in 1994, you said that momentum for a single-payer system would sweep the country. that sounds sandersesque. but you don't feel that way anymore. why not -- hillary clinton: well, the revolution never came. [laughter] and i waited and i've got the scars to show for it. we now have this great accomplishment known as the affordable care act. and i don't think we should have to be defending it amount democrats. we ought to be working to improve it and prevent republicans from both undermining it and even repealing it. i have looked at -- [applause] i've looked at the legislation that senator sanders has proposed. and basically, he does eliminate the affordable care act, eliminate private insurance, eliminates medicare, eliminates medicaid, tricare, children's health insurance program

more than half of the nonprofit health insurance companies created under the aca have failed. :andy: and several of -- mandy and several others testified -- mandy cohen and several others testified. >> experimental programs that awarded government loans to non-profit health insurance. plans, a that sold the total of failed hav 12 have fai. pay any-ops must outstanding debts or obligations before repaying the loan, it is unlikely the federal government will ever recover these funds.originally intended to create competition among insurers, they are structurally flawed. as early as 2011, we predicted that 26% will go unpaid. in 2012, the office of budget management estimated taxpayers would lose 43% of loans on the program. the following year, and report expressed concern about the financial stability and the inability to repay the loans. even staunch supporters of the aca predicted it would fail. senator rockefeller back in 2009 said there has been no significant research for the broad expansion of health insurance. what we do know is that the model was tried in the early part of

now the insurance institute is funded by auto insurance companies and in california and arizona, insurers can raise premiums on violation points, that's a potential conflict of interest. critics will tell you many of the cameras are not marked, that means drivers don't know they are there and that would argue they're a deterrent for running red lights. more to boost revenue than to promote public safety. public outcry against the cameras is one of the reasons for communities being on decline. cameras are in use in 23 states including california, new york, texas and ilnoyes.earlier i mentioned chicago's budget shortfall. well the city just passed a massive property tax increase to plug a $745 million hole. so mayor rahm emanuel can hardly afford to hit the brakes on revenue generated by red light cameras. but chicago's red light program has sparked huge controversy, shortened yellow lights. quickly starting with red lights and taking some unexpected turns. captured on cameras, vehicles running red lights with disastrous results. accidenaccidents like these havd nearly 9,000 people in the u

the k. k. insurance list. company says it has been receiving harassing phone calls nonstop. >> member of k. k.k. no way. hang up. i said no, we're not. >> kim: the owner of the insurance company says they're worried someone will sandallize their business. >> -- vandalize their business. >> adam: five candidates are battling for four at large seats. charles yancey faces a tough face against andrea campbell. there are big mayoral races too. we'll show you shows throughs worcester, out. in most places polls will close at 8:00. if you are still looking for voting location, stays, what is on the ballot go to our website at whdh.com. >> announcer: also on 7, terrifying moments on the water. >> i didn't know what the propellor was on. >> announcer: survivor of tragedy moving forward saying she is lucky to be alive. >> kim: for the first time now we're hearing from the young woman. she lost her arm. she has injuries all over her body. she was boating in boston harbor. she has come a long way since the summer day. our cheryl fiandaca has this interview that you will see an just one station. >> >> i w

instead of the insurance thought getting -- pocketing $590 a month. the insurance companies pocketing was left over. [video clip] guest: that's a complex question. , and i think there's an article on the front of "the wall street journal," insurance is a complicated business. essentiallympanies make about a 5% margin in medicare and the exchanges. that shows that most of the insurance companies that get in the exchanges lost money. a lot of the co-ops, the nonprofits, most of them have gone out of business. is been an unpredictable business with new population and it has not been easy. many people like your caller in those unhappy have gotten huge additional benefits. it has helped a lot of people. there is a long way to shake out on this. i think the insurance business is a pretty predictable business. has worked, aca it's a long way to shake out. buying into medicare before 65 seems to be cheap at $100 per month. are 65 and you are paying $100 per month, that is less than 10% of the true cost of the benefit. buying any earlier, disguises any subsidies. aca has lots of subs

the car. >> personal car insurance. >> that's what i want to add. the insurance companies are now left doing it out. he doesn't even think he will get the 34,000 at the end of the day. >> this is absolutely outrageous. he should be paid back every cent of the monthly fees is paying for that garage. >> it showcases how annoying it is to have a car in new york city. parking in any garage. >> new york city police of a cracking down ever since an mta vaguely complained about a bag lady near lincoln center. now, they have said that they are cracking down because of the safety issue, but there are some people that think otherwise. >> it is a form of discrimination. homeless and do the same thing. they sleep in the subway. >> i went to speak with an advocate with picture the homeless while which is made up of former homeless members as well as people who are currently homeless. he got off the weeks to come off the streets three months ago. >> unbearable. i just cannot take it anymore. >> ianymore. >> i have been chasing the homeless situation in new york city for a while now. the population keeps going up.

the insurance marketplace. i want answers about how the co-ops wound up owing money to the big insurance companies through risk adjustment programs. i want to understand why cms said over the summer that risk quarter collections would be sufficient to cover all risk quarter payments while less than three months later they revealed they would only be able to pay 13% of the requested amounts to insurers. in short, i want to know whether cms is thinking outside the box and coming up with a path forward to support this competitive ingredient in today's health insurance market. thanks again to all of our witnesses for coming today. thanks for waiting while we went to vote. i think you're going to be waiting again in a minute while we go back to vote. but your expertise will improve the law and the lives of our constituents. and i hope that members on both sides of the aisle have come ready to hear your ideas so we can finally have a productive hearing on the affordable care act. i yield back. >> thank you. mr. mckinley is recognized for five minutes. >> thank you, mr. chairman. i agree with the lady from colorado th

insurance companies. nbc spoke exclusively to the prosecutor. >> caused the insurance companies to finance the expansion of his business. >> as first reported by the associated press in a bid for leniency, ben carson wrote a letter to the judge saying next to my wife of 32 years there is no one on this planet that i trust more. they became friends because our value systems were almost identical. adding i love him. >> fraud is fraud. and dr. kosta pleaded guilty to fraud. >> he avoided prison getting three years probation, including a year under house arrest in this mansion. and even that sentence was reduced by a year because of his work with carson's charity. four years after carson appealed for leniency for his friend he advocated the opposite for others. not advocate chopping off people's limbs but stiff penalties. no less than ten years in prison and loss of all of one's personal possessions. no comment from carson arriving at a fundraiser. but in a statement of kosta, i know his cart. i have proud to call him my friend. i have always and will stand by him. that is what real friends do. >>> after two y

the other stocks -- aetna. the company reaffirmed its for your forecast. there was concerns about the cost related to these exchanges for the insurance companies. em is also reaffirming its forecast as saying -- anthem is reaffirming its forecast as saying -- it is when the insurers that is nothing back. betty: julie hyman at the markets desk. joining us from california in the studio is mario cavalli, the founder and ceo, investor, staying with me for the next half hour. 'swant to turn to mohamed bloomberg view pc brought today on the square ipo. shares jumped 15% in their first day of trade after pricing below the targeted range. mohamed wrote in his piece, divergent interests, misaligned incentives, and competing initial conditions often make delivering a successful ipo harder than many expect. it certainly shouldn't the left exclusively to the investment banks. mohamed, why did you write this piece? what were you trying to say? do you think that square bungled their ipo? mohamed: i don't think they bungled it, i think it is a reminder of how difficult it is to get an ip all right. you have a lot of misaligned incentives. i used to have the mo

. >> judge judy: the insurance company never got the money?no, your honor. >> judge judy: explain that to me. >> announcer: now a business owner picks up the pieces. >> he took the client's money, marked the receipt that he sent the money, he kept it, and pocketed the money. and these policies canceled. >> judge judy: you have a whole group of people who were allegedly defrauded. >> he messed with these clients' lives. >> announcer: "judge judy." you are about to enter the courtroom of judge judith sheindlin. the people are real. the cases are real. the people are real. the cases are real. the rulings are final. captions paid for by cbs television distribution insurance-company owner dawn mccarthy is suing her former employee, steven hartmann, for stealing money from her clients. >> byrd: order! all rise!

. >> there was a level of coordination between the doctor and the sales rep and the company and the insurance company that was unusual in my experience. >> reporter: that coordination is something investigators are looking into as well. for its part, insys declined our numerous requests for comment. for "nightly business report," i'm gina gusoff ski. >> and less than a week ago, the fda granted insys fasttrack designation to approve an oral spray to treat opioid overdose. we reached out to the doctors in the story, who are are still working in their respective clinics. only dr. ron's lawyer returned our calls. and in response to the inquiries of payments with insys, he said his speaking engagements are sought out and are not out of line in any way, "we make no apology whatsoever." gina is joining us now. tell me about the website where i can go to find out who's paying my doctor how much and for what. >> it's called openpaymentsdata.csf.gov. you type your physician's name and get a breakdown of the company that's paying him or her, exactly what the payment is for, how much of the company pays

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out of his office as a oral surgeon he pled guilty to scamming more than $40,000 to insurance companies. >> because the insurance companies to finance the expansion of his business. >> reporter: as first reported by the associated pres, in a bid for leniency, he wrote a letter to the judge saying next to my wife of 32 years, there is no one else i trust more. our value systems were almost identical. adding, "i love him." >> he pleaded guilty to fraud. >> but he got three years probation, including a year of house arrest and even that was reduced because of his work with carson's charity. but four years after appeali for ppleniency, he argued the opposite for everyone else. a saudi arabian slugds olution for fraud. kosta, through his lawyer, de declined comment. in a statement, said of costa, i know his heart. i am proud to call him my friend, i have always and will continue to stand by him. that's what real friends do. >>> after nearly two years an aging mobster is waking up a free man.ma yesterday afternoon, a jury in new york found 80-year-old vincent asaro not guilty. the robbery netted $6 million i

but when millions of people stand up and are prepared to take on the insurance companies and the drug companies, it will happen, and i will lead that medicare for all, single-payer system is the way we should go. ( applause ). >> secretary clinton, back in-- secretary clinton, back in 1994, you said that momentum for a single-payer system would sweep the country. that sounds sanders-esque. but you don't feel that way anymore, why not? >> revolution never came. i waited and i got the scars to show for it. we now have this great accomplishment known as the affordable care act, and i don't think we should have to be defending it among democrats. we ought to be working to improve it and prevent republicans from both undermining it and even repealing it. ( applause ) i have looked at-- i have looked at the legislation that senator sanders has proposed, and basically, he does eliminate the affordable care act, limb naits private insurance, limb naits medicare, limb naits medicaid, tricare, children's health insurance program, puts it all together in a big program which he then hands over to