insurance because of the medicaid expansion. medicate was expanded in states that acre cemented that money. are there a lot of people lower income who wonder what is going to happen whether they are on medicaid or not, please? >> where are you from again? >> fort pierce, florida. >> florida. >> you want to give tax credits instead of insuring people. what if a person is -- >> can i get you right there. it's tax credits to buy insurance. >> okay. >> what if a person makes so little that they don't have to pay taxes? will they still have access to the federal -- >> yeah, that's what i'm trying to say here in this last question. so a tax credit, the way we described it when we say refundable, you get it no matter you pay taxes or not. it's a voucher to buy health insurance and for medicaid some states do a good job for medicaid and some don't do as well. the problem that we're seeing in medicaid is more and more doctors just won't take medicaid. because they lose money on medicaid. it's so over regulated and so