do we want an elite group covered by insurance and they are subsidizing the poor and underinsured or people going without insurance. >> who does more efficient? >> hold on a second, guy,give the lady a chance. you agree for that. emac, let me ask you. efficienciy, when you look at medicare and 60 billion they waste every year and think of expanding that by i don't know. multitele- multiple of 10 is that efficiency? >> no, it is not efficiency. the figure is higher because you have to pay for the costs of the burrcrats to chase down that 60 billion figure . the system is broken, i agree with mark but the obama care is halfway house to single payer . man date taxes are too low. hold on a second, mark. more people are going to be dumped in a government. by the way, hang on. nixon. hang on . no, we are not. it would cost trillion. let me finish, mark i beg your pardon. >> it was enacted in britain and can dampt they have fewer mri machines and the wait list are long. >> morgan, when we look for a solution that really works, what we think of is putting the individual back in charge . when

they didn't have insurance or they were underinsured.situation like that. >> in particular cases we had storms in the northern bay area, northern california, one of the things you want to know your homeowners insurance covers specific things, covers things for wildfire, theft, liability coverage. one of the things it doesn't cover is damage from flooding, flood damage is separate. that is from fema. it also doesn't cover earthquake damage and that is something very important in the bay area. you want to make sure what your homeowners covers. find out what policies complement each other. >> and i was thinking about the horrible situation in san bruno. how could that be covered by insurance. >> it's one of those things that insurers will take a look at typical risk do. all the math and they come up what is and isn't covered. an explosion is covered. you have pg&e who is responsible for that whole process going through and finding where the money is going to come to rebuild those homes. >> cheryl: renters, there are millions of renters and

most people are underinsured. there will be 30 million people uninsured, even with obamacare, and even the people who have insurance cannot figure their insurance out. ultimately, the insurance companies are just robbing the country, along with the financial sector. people of being left out of jobs being created. [applause] their lousy jobs -- some of the jobs being created are hardly what you would consider jobs. i work for as a member of the labor movement. i represent nurses and fight like hell to make sure they can fight for their patience and themselves. but their retirement is under attack -- why should their retirement be under attack? the entitlement -- that is an entitlement? that is our money that paid for those entitlements that is being recycled back to us. we are pretty angry. we are organizing a movement -- it is in the streets and in congress and across the world. when are not going to stop. four nurses, they are not policy-makers. they do not have the comfort of being able to step back and say, tha

if i am working on people who are not insured or underinsured, that helps everybody but black folks are specifically under insured. my approach is generally to say that the african-american experience is not unique to america. and we are aspiring for the same kind of dreams and hopes so if i help everybody, i can help the african-american community in particular. there are some actions -- like affirmative action, those are specific to minority communities. i will stand four square behind dealing with those issues. i have optimism that white america wants to see justice done and i do not think those things are contradictory. tavis: after his historic senate victory, barack obama made a name for himself across the country. some of his friends advised him not to seek the highest office in milan. he says the time -- sensed the the time might be right for a white house run. when he joined us he was running behind a better financed and better known front runner named hillary clinton. as he joined as he displayed a quiet confidence that would carry him all the way to the white house. in the se

we also at general hospital are caring for uninsured and underinsured people who come in after injured. we also represent -- i also represent thousands of dedicated physicians, surgeons, nurses, administration and therapists who care for the hundreds of thousands of patients who come to our hospital. i have dedicated my life to providing care for injured patients in our community. it is truly a team effort to provide care for the victims of vie lertctionv crime. we rely heavily on our many trained professionals 20 help us do our work each day. after persons injured due to shooting after the scene, people go there, public firefighters and servants. the trauma surgeons, emergency physicians anesthesiologists, orthopedic surgeons, nurses, therapists and many, many others who come to help us work on the patient. and we do this for every single person who is injured. we bring all the resources there. we can to make sure we can save as many people as we can each day. the reality and sadness is we may save many, but we can't save everyone. over the years i have seen massive increase in the fi

unconstitutional and the government wouldn't be in the business of bailing people out who are underinsureder debate for another time. i have to go home to new jersey. i don't want a riot in front of my house. [laughter] stuart: here's a question for you -- [laughter] >> sorry. stuart: can i get a word in edge wise? >> please, it's your show. stuart: it's varney & company. >> let him speak for heaven's sake. stuart: please put this picture on the screen. i want you to tell me what's missing. this is president obama at the white house. do you notice something? there are no women in the picture. in fact women get paid less than men in the white house in the obama administration. there's no outrage about this. what about the war on women? monica and gerri react to this next. stuart: take a look at stocks this morning, just an hour -- what's this about 45 minutes into the trading session, a couple of hours after that jobs report was released. we're going nowhere for the market thus far. 16, 15 points higher for the dow. we have coin star, that's the company that has those red machines where you

most people are underinsured. it's an industry on people betting against themselves. you hope you never need it and the insurance companieses are not in the business of paying out claims and their goal is to keep the money you gave them. they don't want to pay it out and we're finding that people think they have a particular level of coverage but when you delve into their insurance policy, they may not necessarily have it. we see with flood insurance people have flood insurance for structure but not for content. >> right. >> but then what the insurance companies. >> or wind damage but as soon as the wind is over 74 miles an hour you don't have hurricane coverage. >> the insurance companies think structure of a house is not what the local building department says. so they say structure is your foundation and your roof. what makes the house habitable. but it doesn't include sheetrock, insulation, floors. we would not allow you to live in a house with those things. but the insurance companies said, that's not structure. >> the broader pron here is that insurance is a way

. >> guest: we made a point in the book is not just those without insurance but those who are underinsuredan issue as those with insurance because deductibles are so high in some cases. that is a good step. to our mind the biggest flaw in the bill has been its still leaves providing of that insurance in the hands of private insurance companies rather than making something like medicare your overall provider and letting people buy supplemental coverage as they do now with medicare through private insurance. one of these days we may get to that because the way it is now means a certain amount of excess cost but from the standpoint of opening the door and getting care to people who didn't, it is good not because i know, who really have read the act, say there are a lot of good things that shifting the emphasis to care and away from the procedure driven health care system we have. we don't know that that is true or will never work out so we won't know the full reading of that for some time to come. >> host: soviet e-mails in ask the arturs what they think it will take to light a fire and to th

>> guest: we made the point in the book, it's not just those without insurance, those who are underinsured is almost as big an issue as those with insurance because the deductibles are so high in some cases. so that is a good step. to our mind, the biggest flaw in the bill is that it still leaves the providing of that insurance in the hands of the private insurance companies rather than making something like medicare your overall provider and then letting people buy supplemental coverage that as they do now wih medicare through private insurers. one of these days we may get to that. because the way it is now, it will mean a certain amount of excess cost, no doubt about it. but from the standpoint of opening the door and getting people care who didn't get it, it's good. doctors who i know who really read the act sailor a lot of good -- say there are a lot of good things in it. they're trying to shift the emphasis to care and away from some of the procedure-driven health care system we have. we don't know that that's true or will ever work out. so we probably won't know the full reading on t

most people are underinsured. there will be 30 million people uninsured, even with obamacare, and even the people who have insurance cannot figure their insurance out. ultimately, the insurance companies are just robbing the country, along with the financial sector. people of being left out of jobs being created. [applause] their lousy jobs -- some of the jobs being created are hardly what you would consider jobs. i work for the -- as a member of the labor movement. i represent nurses and fight like hell to make sure they can fight for their patience and themselves. but their retirement is under attack -- why should their retirement under attack? the entitlement -- that is an entitlement? that is our money that paid for those entitlements that is being recycled back to us. we are pretty angry. we are organizing a movement -- it is in the streets and in congress and across the world. when are not going to stop. four nurses, they are not policy-makers. they do not have the comfort of being able to step back and say,

most people are underinsured. there will be 30 million people uninsured, even with obamacare, and even the people who have insurance cannot figure their insurance out. ultimately, the insurance companies are just robbing the country, along with the financial sector. people of being left out of jobs being created. [applause] their lousy jobs -- some of the jobs being created are hardly what you would consider jobs. i work for as a member of the labor movement. i represent nurses and fight like hell to make sure they can fight for their patience and themselves. but their retirement is under attack -- why should their retirement be under attack? the entitlement -- that is an entitlement? that is our money that paid for those entitlements that is being recycled back to us. we are pretty angry. we are organizing a movement -- it is in the streets and in congress and across the world. when are not going to stop. four nurses, they are not policy-makers. they do not have the comfort of being able to step back and say, tha