doctor because they can't afford paying their deductible. >> first of all, the 22% increase, let's remember who that applies to. that applies to a very small fraction of people who have to buy insurance without the subsidies that are available. 85% of people buying insurance on the exchanges get subsidies. for those people, this 22% doesn't affect them. for the remaining people, that is a problem and something we need to address but it's not a crisis. it doesn't mean the system is collapsing. most importantly, it doesn't affect the 150 million americans who get employer insurance who have actually seen their premiums fall dramatically as was expected before obamacare. >> let's talk about how exactly you can fix obamacare. i need you to be specific because i think people really want answers. hillary clinton says she can fix obamacare. what would be one fix that would drive premiums down? >> look, once again, there's