would you clarify for us whether american workers could be subject to nonrenewals by employer-sponsored plans often known as plan cancellations under the affordable care act? >> thank you, mr. chairman. yes, many american workers will, indeed, be subject to knop renewals -- nonrenewals as i described with a bit more detail in my written testimony. there'll be tens of millions of workers in sort of small group plans that will see those plans being phased out. as very few of them actually continue to have grandfathered status by the time the employer mandate kicks in. the administration's sort of mid-range estimate was that by 2016 88% of all small employer insurance plans would have lost grandfathered status, so all of those plans would, in principal, receive the first treatment that individual market plans received last year. so they would be canceled. the process would go be through the employer, not the individual. so it may be slightly less salient, but it would certainly be the same fate that so many plans in the individual market had. and i find it surprising, honestly, that so man

us. job security, 22% of american workers surveyed say they are not taking vacations because they don't want someone to think they're replaceable. is that something that should be a concern? >> well, whether it should be or shouldn'ter really doesn't matter. it's a concern for these people because they're afraid. they're afraid about out of sight, out of mind. if i'm away from the workplace and the work gets done, maybe i'm expendable. there are surveys that show that some managers are less likely to promote employees that take all of their vacation plan. and a study said that people who don't take all of their vacation time earn more than those who did. >> there are different with different cultures, some marks say you have to take your vacation, and there's research that shows that, depending on the job. if you work in a creative kind of job, getting a break and getting away for a week or two, and returning, i do a lot of writing in my work, and i get writer's block sometimes, and if i go to the grocery store or jim, all of a sudden, things pop in my mind because i psychologically take a break. so i don't want to say all organizations are pro or anti-vacation, but others have a macho cu

us. let's start with job security. 22% of american workers who are surveyed say that they're not taking vacations because they don't want others to think that they're replaceable. is that something that should be concern? >> whether it should be or shouldn't it be doesn't matter because it is a concern for these people. they're afraid out of sight out of mind. if i'm away from the workplace and the work gets done, then maybe, indeed, i am expendable. >> there have been surveys that have found some managers that say people who didn't take all their vacation time earned more than employees who did. >> well, there are different corporations with different cultures. some organizations do justifybly say you have to take vacation. by the way, antonio, there is science, there is research that shows depending on the job, if you work in a creative kind of job taking a break, getting away for a week or two recharges you. you know, i do a lot of writing in my work and i get writer's block sometimes. if i go to the grocery store and to the gym, poof, things will jump in my mind because i take a break. i don't want all it to be considered pro vacation or anti-vacation but some organizations encourage people to do it for good