either a government-run or a government-regulated private sector insurance system. what we need is a deregulated, not unregulated, but deregulated, private sector insurance plans to reduce cost. >> and if some seniors have to dig into their pockets to pay for it, that's okay? >> well, seniors dig into their pocket right now to pay for medicare. they pay for their medicare part b subsidy. almost every senior has a mehdi grap policy. why? the policy doesn't cover things they want so they have to buy additional coverage. instead of buying your medigap policy you buy a policy that has choices to take the kind of policies and the kind of choices as to the providers who you're going to use, when you want a limited set of providers and more benefits, a broader set of providers and fewer benefits, all of those things are choicers