aren't clear about what an integrated health care system is, it is all of the care provided under unumbrella. they're provider, insurance company, et cetera. one of the questions was how will integrated systems impact ability to receive coverage outside of network? so by integrated systems having -- housing all of their services in-house, how would that impact members in seeing specialists or getting second opinions. that was a big concern. and finally, the private exchange model, t this model rad a number of concerns. some of the biggest questions were around how might the plan options and choices affect equity, quality and accessibility in relation to care. a lot of the insurance providers will provide different services at different price points and a lot of members wondered if i select a lower price point for my health insurance plan will that mean that i'm selecting a lower quality of care. so there were a lot of questions around there. there were things that came up around all of them. third party support services were offered in three of the five models. and they wondered if third par