Whenever you have confusion like this in the marketplace, it opens up opportunities for fraud. People will really have to make sure they're dealing with reputable entities.
For young healthy people and families, they may well end up being the winners; the problem is somebody else is likely to be the loser.
People are going to go untreated because of our failure to make sure that everybody has coverage.
What those numbers do is cry out for public policy makers to take this challenge very seriously.
This is really about shifting costs to sicker people.
I realize that. But the potential payoff for seniors is so huge that we hope it will be a worthwhile investment for them.