for example, the pcp co-pay. they can be reduced. there is individuals that qualify for both and some that qualify for advanced premium tax credit. they can qualify for these programs only by enrolling in covered california. if they want to stay outside of the exchange, they want to benefit from these programs. it's estimated that 42 percent who have individual coverage can benefit from these programs. in the city and county of san francisco, it's estimated that 28,000 people would benefit from this program. in order to be eligible you must be a citizen. you cannot be incarcerated and if you have and this is a little perk. if you have services through your employer but cost more than 95 percent of your adjusted growth income, you can leave this plan. that's a quirky thing here. how that came about, remember how i mentioned that each person based on their age gets rated a certain threshold? what we've seen is the higher age bracket could out pace the income of those higher aged employees and therefore be higher than 9.5 percent of the