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>> the other 7 million -- >> that's the cbo score. it's about the mandate. >> correct me if i'm wrong. first of all, with regards to the mandate, you tell me how that would not destabilize an already shaky marketplace and two, if the federal subsidies are significantly lower, then how would someone be able to afford the actual insurance? >> in 2018, nothing has changed. so that's a fact. and then there are phase-ins of the additional policies in the years after that. the 15 million out of the 22 total happens without changing any of that and the markets aren't destabilized because the senate h...

Fearing democratic losses in the senate, the president blinked. >> the political imperative was to delay it, for all the sensitive employers going into 2015, and try to take the issue off the table. >> but the new delays also created confusion and unfairness. some employers are exempted from providing insurance, but their worker still pays an individual mandate to punchs it. >> the administration is saying if you work for a company, that company gets another year before it has to provide you with health insurance, but in the meantime, the law requires you to have health insurance. if you don't...

We provide them tax credits but even with the tax credits and in some cases they have phase-ins to make sure that nobody is unnecessarily burdened. the goal is to make sure folks are healthy and have decent health care. this was an example of us making sure we are giving people the opportunities to get right with the law. but recognizing that there are going to be circumstances in which people are doing the right thing and it may take time. our goal is not to punish folks but our goal is to make sure we have got people can count on the financial security that health insurance provides. and if ...

Many of them couldn't afford it. we provide them tax credits but even with the tax credits they still can't afford it and we have hardship exemptions, phase-ins to make sure that nobody is unnecessarily burdened, that's not the goal, the goal is to make sure that folks are healthy and have decent health care. and so this was a example of administratively us making sure that we're smoothing this transition, giving people the opportunities to get right with the law, but recognizing that they are going to be circumstances in which people are trying to do the right thing and it may take a little t...