54-year-old who ten years from now faces that prospect? >> again, i will go back to the fact that i don't think that that analysis takes into consideration the choice that they have. part of the problem right now steve is that a 54-year-old doesn't need certain things. maternity care, they don't need medical services being provided to them by this government product that is being forced on them right now. number one you have a product that is being served up to older americans, middle aged americans, or younger americans that doesn't fit where they are in life and the services that they need. and so number one, having more choice and the ability to tailor a plan towards the needs that an individual has depending on their stage of life, whether it's an individual or a family -- no number one. number two, they don't have any competition. when you combine both of those things together, i think that number goes way down. and then the third is that they can have whatever sib siddy they want now. on the exchange in many cases again they are getting a subsidy to a plan that has a very high
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