and this is something paul ryan and other republicans insisted on in 2009. >> there are a whole host of problems. one of the major sticking points are these high-risk pools. they are very expensive. seems like every expert we've talked to says there's a shortfall. the gop bill calls for $8 billion over five years to fund these high-risk pools. experts say, you need $25 billion per year. it's want like this is based on funny math or pulling numbers out of nowhere. we have experience in this country with high-risk pools. back in 2011 we had them. it covered 226,000 americans and cost $2.6 billion a year to do it. so, that's just a very small part of many different issues that are -- that are at stake here. the high-risk pools seem to be one of the major sticks points. also subsidies for lower income americans. the way that the refundable tax