someone who works at your company and say, am i going to be dumped in the coming months? that's what's happening to millions of people. >> my head is spinning so much. first of all, my apologies. i pronounced your name wrong. you know, it concerns me because does an employer have to, are they obligated -- >> no, there's no employer mandate. of course they should tell them. they should give them a heads up. once you lose insurance, if you go to the exchanges, as i said, it's a very raw deal. people who get on-the-job coverage in general pay $999 a year toward their insurance. it's free tax dollars. and they have a deductible of about $1,135. when you get to the exchange, you're going to pay much more. you're going to pay with after-tax dollars, and you're going to have a deductible that's two or three time what is you're used to. for all of that extra money, you're not going to be able to use the doctors and hospitals you currently prefer. so that's why so many people are justifiably worried about what's