than we thought. that's sort of the unpredictability of a new market. that will settle down over time and new insurors will enter. >> so hindsight is 20/20, right? looking back, is there one thing you wish was done differently? >> i think there's really probably two things i wish was done differently. one is i think -- i wish the mandate penalty was stronger. the other i wish the federal government had done more to get states to expand their medicaid programs. i think that this is a fundamental flaw in the system that's leaving citizens uncovered who are sick, who are coming into this exchange pool and making it more expensive. >> realistically, after the next president is put into office, what do you think will happen with obamacare? >> i think nothing much is going to happen, to be honest. i think basically it's a system that largely works, that the flaws you are seeing now or the premium increases you are seeing now are just the natural dynamics of a market as it