outside analysis. >> "wall street journal" said a healthy man, aged 40 non-smoker is going to have to pay more if he wants individual insurance. of course, that is a very small segment of the american population. >> is it fair to tell employers you have a year delay to get it together but individuals, january, should it be the latest law? >> new law, we talk about businesses, small businesses in particular have seen their policies and will continue to see insurance policies increase. that is number one. number two all insurance policies are going up. this is reform within the context of a for profit system. the insurance companies are walking off to the bank. the consumers are getting it. >> the problem is what we're going to do is going to say people that are sick and don't have insurance