your interactions with the insurance company. >>shepard: the democrats in washington call the changes a patient bill of rights. and now, our reporter is here is up here in new york city. less then three weeks from the midterms. hard to believe. what is the pitch? >>guest: the president is trying to give it a personal feel with people who are benefiting from health care reform or feel they will benefit from health care reform. and a minute of candor from the president on the message. take a listen. >> sometimes i fault myself nor not having been able to make the case more clearly, to the country. we spend, each of us who have health insurance, spend $1,000 of our premiums on somebody else's care.