portal while the people who need to be pressured, arm twisted, fined into doing so because they don't feel like they need insurance and so on won't. and that's how you end up driving the costs up, right? >> the bottom line is, a lot of people still don't get, for the vast majority of people who have insurance through their job or who are covered in medicare, no change. >> no change. >> well, no. not necessarily. i mean, if you look at how this is likely to unfold, most people are not going to see a big change in the next six months to a year. the question is, over the next four, six, eight, ten years, having this sort of parallel system of subsidies creates incentives for employers to stop offering insurance, which is why they have that mandate again jimmy kimmel rolled it into his interview but it's actually a very controversial mandate because there are a lot of businesses that don't feel like they can afford to offer insurance. >> i'm afraid as a brit i wish