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Ones that consumers were opting for, you know, liberals would say that is good, that's great for the consumer. >> well, look, what you have in the individual market today is a very wide variety of choices, a lot of different prices, different levels of benefits, and people are choosing the level that meets their own needs and preferences. what you have is hhs and the administration coming in here and reviewing their choices and finding them wanting, saying you need to move to more expensive coverage, more comprehensive benefits. and, you know, if this were or intentional, what they could is, w...

Are buying the amount of coverage they think they want, for their perspective, is the right amount. they have turned down the opportunity to buy more coverage because they don't want to pay the added premiums. and the president is forcing them to give up their current plans and buy more coverage which from their perspective is not better coverage but worse coverage. >> but, jenna, the whole nature of health insurance you don't know what disease you will develop down the road. you don't know what kind of care you're going to need. so you got to make sure if you develop cancer or something else ...

People will stay away from these plans, and eventually insurers will leave the market, and people won't be able to buy health insurance at any price. that is a very real danger that we face under this law. jon: so, igor, then what happens? i mean, who steps in to pick up the tab? >> well, i don't want to go down the doom's day road just yet. certainly, young and healthy people are very, very important. you've got to make sure they're part of system, and if the web site functions by the end of november like the administration says, that's going to be the goal. that's the next step, making sure ...

Insurance and that's important but really the key to keeping costs low is making sure you have efficient health care. so that is why the health law really has a lost incentives to make sure doctors are coordinating care, that they're providing better care and rewarded for that. so it is really kind of a two-part game. on the other hand you want to give everyone insurance and on the other you want to make sure the care they get is effective, quality care that mon can buy. jenna: mike, is there quality control system that to insure we get taken care of better? >> no. what you look at what is bet...

Why are so many people signing up for it instead of opting for private health care insurance? >> the law really expands medicaid for lower income americans, and it's really the silver lining of health care reform. i think it's the only kind of good news story or one of the few that we're seeing. was you can sign up for -- because you can sign up for medicaid outside of the web site structure, and medicaid has been doing sign-ups for so long, it's fairly easy. and a lot of the states, thousands and thousands of people are going into medicaid, and they finally have coverage for the very first ti...