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You're saying the train companies or operators don't have control over the track. it could be federal, it could be state. how complicated is this to get to the next level? i know boston has it. is an incident like this a wa wakeup call? >> we do a cost benefit analysis in the federal government on this very kind of thing. how much does it cost to fix versus the cost of lives. what may happen is technology may help us. there are now systems that rely on gps and satellite information more so than intensive equipment on the tracks. that would help in those situations where the passengers trains t...

Get help with their co-pays and deductibles and all the other cost sharing. we know all of this. we can -- we can compare that to the number of people we know who may be aren't going to get subs deeps who are going to have to give up plans and get new plans. that's about 5 million people. and the best estimates we have seen -- is that maybe, a third of them. maybe less. million and a half people, are actually going to be paying more than today for service that are as good or not as good. that's the, those are the obama care victims. those are the people with -- rate shock. if you compare them ...

Options. very important if you just take what the insurance company gives you, you could be passing up thousands of dollars of subsidies and help with cost sharing. >> i think this is a very important point. >> yeah. >> as part of the notice you may get a recommendation for which plan to immediately sign up for. it's worth taking the extra beat and visiting a website like yours and doing a little bit of home work. >> exactly. we have a website healthlawhelper org, "consumer reports," run through a simple series of questions and you will see if you are eligible for the subsidies and then you ca...

This job, was to try to deal with this issue. so now what i would say is this: now if, in fact, the issuer has decided to change the plan, didn't have to. plans were grandfathered in in 2010. if hay didn't make significant changes in the cost sharing and this sort of thing, they could keep the plan that they had. but some insurance companies have decided, and i think that's what you were referring to in your opening statement, that they want to offer new plans. and if they offer new plans, they have to.com into the -- to come into the requirements of the affordable care act which is you have t...

Bronze plan. that will have the lowest premium and the highest cost sharing. you will take a bronze plan for the lowest premium but you may have a 5,000, 6,000 dollar deductible. it's huge. soops the glitches are cleared up because it is just a distraction. when consumers can enroll and see their side by side comparison of 5,000 and 6,000 deductibles i don't think the american people will be happy. >> that's important. >> i agree. judith said we don't know yet. we know people are paying on average, ep men are going to double their price. women up 62%. isn't that a failure based on what we were...