many americans left with no options. how might this senate policy bring back insurers into the market especially given what we're seeing on our screen right there? >> look, what insurers want is stability. they want to know that they're going to be able to make money by insuring people. i mean, they've found the instability in the current market problematic. part of that is the fact that they don't have faith that the current administration will do what's necessary to buck up the obamacare system. if you create a playing field that they can all depend on, then you have a good chance they will -- >> sorry to interrupt, but with no mandate and no punishment for letting your coverage lapse, isn't that a disaster for an insurer? >> not necessarily. people want to have health insurance before there was a mandate. it's a -- it's something that a lot of people need. you don't -- i mean, i'm giving you an argument here. obviously there are two sides to