you know, in this bill, anybody who doesn't have health insurance, whether they can afford it or not, oh o, they might get a subsidy or not, whether they can afford it or not want it or not will have to get health insurance. if you don't get it, you'll have to pay $1,500 more to the irs. so, let's say that that's a tax and then the way around that because i have to have an alternative is a reinsurance program that can help people that are low income or people that have pre-existing conditions and things that wouldn't otherwise get insurance. so, i don't think you need the individual mandate. >> well, to that point, senator schumer was on morning meeting and this is what he is proposing today. >> okay, go ahead. >> instead of just going to the government, goes in a little account for each citizen who pays it and that will pay for health care insurance if they buy it within three years. so, it's no longer really a