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>> in the obama care situation, essential care is covered. good policies, a lot of policies in the individual market are fly by night and will be eliminated. >> ralph, people who support it say, look, the people who -- yes, theyre going to have to change their very basic policies, but theyre going to get better policies. theyll have to get better health care and that will benefit everybody. >> no, what actually is going to happen is, people who are healthy, people who have played by the rules an...