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When it's all said and done the insurance companies are winning. more profits. take await ability to be able to cap out-of-pocket expenses. already americans going broke with the cost of healthcare. so, you know, this thing is a mess. bill. >> john: is it falling apart piece by piece. >> you have to look at. so things they have delayed in terms of the employer mandate and out of the pocket limits. are they doing that in part because they realize what this is going to do to insurance premiums? i mean, this is the other piece of this is that we are likely to see an explosion in the fall. and the...

Out of pocket. this is different from commercial insurance f. a drug isn't ton formula there will be coinsurance meaning you are responsible for some of the costs but the plan picks up some as well and it counts against your deduct able and out of pocket limits. in this case the sky is the limit on how much it can cost you. there is so much variability in the plans patients have to be very careful. in some not a lot of drugs are covered. there is a lot of variability. not a lot of information. >> we talked last week about how patients will be finding their doctors aren't covered by obama care ...