your employer. your employer should not own it. the employee should own it and take it with them to the next job. that's what happens if we eliminate the employer exclusion. >> you know so much about this i want you in simple terms to explain to me anthe viewer the business about not being able to get insurance over state lines. what does that mean? >> insurers are regulated by state. they are not able to sell policies in neighboring states. the reason that's true is that all of the states have totally different legislation regarding what you have to be insured for. a lot of states demand that you're insured for marriage counseling, mental health downing, drug counseling, lots of hair transplants, spinal manipulations, all sorts of