premium. so all of these tens of millions that don't pay premiums and don't have insurance, if you make them get insurance you have incredible benefits. one, they're forking over money and two probably not use the system much. it spreads the risk and includes the low-risk people. when you are healthy and pay premiums for insurance and don't use and go see the doctor that's great from a financial point of view. >> can this thing go forward at the moment without this? >> i think when health care reform was being built and you and i were covering it, when i would ask the question of the obama administration or anyone else how are you going to pay for this? they would say everyone will have insurance and those premiums will be much of the cash that we need to pay for this. so without it, i don't know how you pay for this. >> all right. we're going to continue -- >> reporter: and ali. >> yeah, gloria. >> reporter: the states have to start setting up laytheir insure exchanges now. they have to continue doing this. otherwise by 2013 they will be