afford the deductible, and we know that this is happening by talking to the folks who are out there trying to provide the care. one-third of the counties, one-third of the counties in the united states have only one insurer offering coverage on the exchange. five states only have one insurer offering coverage on the exchange. one insurer is not a choice so we need to make certain that we correct that. in tennessee this morning it was announced that there are a number of counties that have no insurer offering coverage on the exchange. insurers are leaving the market on the exchange. last year there were 232 insurers that were providing coverage that were offering coverage the on exchange. now there are 167. that's a loss of about 30,000 in one year alone. all of this means that patients are not getting the care that they need. now, the principals that we have as our guiding star are affordability. we want a system that's affordable for everybody. accessibility. we need a system that's accessible for everybody. a system that's of the highest quality. a system that innocentivizes