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That that democrat would be willing to work with republicans, in order to come up with changes. so, the reform debate doesn't in in the house, it is quite likely there will be discussions and modifications in the senate later this year as well. >> carl, thank you so much. carl, live from washington. gregg: let's bring in our next, served as communications director for former hos speaker dennis hastert and mary anne marsh, former senior advisor to senator john kerry. good to see you both. let me start with you, ron, senator schumer was giddy when he said, are you kidding? this is great, you rep...

And of course, no lifetime caps. that's a big one. >> and that happens right away. andrew rubin, we're going to need you between now and maybe 2015 to keep dropping by to tell us what -- >> 2018, therese. >> 2018. okay. well, thank you. we'll start booking it right now. andrew ruben, thank you so much. take a look at this question. do you think you can answer it correctly? its just one of 40 questions the department of education and the treasury have come up with to test the financial smarts of students and teachers across the country. how much money does ali velshi have to save three years ...

>> it's interesting, i follow this stuff for a living and i get into the wonky weeds of it and i delivered i need to deal with it as an individual and you see it at ground level very differently. i have two boys, 25 and 22, one of them just graduated from college and he gets thrown off our insurance. you know, congratulations, here's your diploma, you're now uninsured. so, we went through the private market to try to find him a policy, and what do you go on the website for each of the companies and then you try to figure out where in that website the individual policies are. and sometimes they...

We are talking health care reform. it means different things for different people. >> everyone is wondering what's next, even if you already have a job and insurance. dr. sanjay gupta is here to sort everything out for you. good morning, doc. what do you got for us? >> obviously, everyone will be affected by this to some degree even if you have health care insurance and you haven't been sick. let me break this down. looking at some of the largest groups of people who are thinking about this. if you are currently insured through your employer, this is the group we are focusing on here, how will...

Change? >> well, so, there is a couple things that are sort of at play here. one being this health exchange people are talking about. again, that comes about in around four years, 2014. some of the same rules apply here. again, no lifetime caps and then this nondiscrimination for some sort of pre-existing condition. that's going to exist under the health exchanges as well. the congressional budget office predicts that in the individual market, people who go out and buy health care insurance on their own, the premiums would go up by about 10% to 13% by 2016, which makes a third point important....