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We're going to charge you $1.500 a ma for health insurance which the average person has no way of affording, because there is no pooling of risk. so what we said was, we need to set up a mechanism to pool people who currently don't have health insurance so that they have the same purchasing power, the same leverage that a big company does when they're negotiating with the insurance company. and essentially what we have done is, we have created what we're calling marketplaces in every state around the -- across the country, where consumers are now able to be part of a big pool, insurers have to...

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Diabetes or cancer. i support the package because otherwise we will see chaos in the markets, and we are also going to see low income people having difficulty in affording out of pocket costs. >> most what you are saying this bill will protect against, it's what the president did, and i get that, and so that's one component. the flexibility and the change in that language, senator, are there any concerns about what that will mean for states and their ability to carve out types of coverage and to create pools that may be good for the young and healthy but not good for the infirm? >> the bill ha...