counting those people in the overall enrollment pool, people who are actually signing up. but doesn't mean they're actually enrolled. again, enrollment ends once you play the monthly premium. so you select your plan. they're spore -- they're supposed to inform the insurance company and they bill. so it's between the consumer and the insurance company to make the payment. >> here's what worries me. a lot of administrative hands. you have aetna and the government and the exchanges, that's a description for disaster. >> it is. we're hearing you need to have paid your premium by december 15th in order to have coverage by january 1st and if you don't there could be a gap in your coverage there. so, if i were a consumer and i know i need health care by january 1 income, i would sign up today. you can't trust that the government and the insurance companies are going to take the proper action here, and actually send you that bill because your