different system, you got to have something in the transition or you create chaos for people. premiums go up. according to the congressional budget office, you might have $16 million americans that live in counties where they couldn't buy insurance at all in the individual market. nobody wants. that i think people read the bill, they'll see it doesn't bail out insurance companies. avoid chaos. chaos is a big birthday present for bernie sanders. leads right to a public option, right to a single payer. >> bret: you have said there are conservative elements in this bill that republicans can rally around. besides giving states flexibility, what are those? >> one is a catastrophic insurance plan, with lower premiums and higher deductibles. the bill gives the states the flexibility to approve things like the iowa waiver, or the alaska waiver, or the oklahoma waiver, or minnesota or new hampshire.