two, the government cost if you went on affordable care act, would be at least lower. and you are not saying, you are saying increases on both ends. >> that's correct, drew. you hit the nail on the head with that. definitely, i was expecting to see more options, more affordable plans available, and -- and for the numbers i ran for myself, i saw just the opposite. >> then there is 56-year-old helen cummings of georgia, she retired early and has a government job making $24,000 a year. she has chosen to have no health insurance. she currently need health care, she goes to a hospital and pays the pro-rated cost for uninsured patients. >> you nmust have been stom who excited. when she got through, signed up and found out she would not qualify for a subsidy or medicate, she learned her cheapest option under at