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They're seeing the costs. i think they're looking at those $6,000 deductibles. in maryland it's 6350. and i think if they think about it, they're thinking wait a minute, i got to pay a monthly premium or i can pay a couple $0 hundred dollars. or i can pay $114 a month which is the cheapest plan, not 80 like the president said. and then i'd have to pay the first $6,000 out of my pocket, except for the three routine visits, which actually young people don't go to the doctor three times a year. that's just the way they are. so i don't think they're going to see value in it. even subsidized, i don...

Know the premiums. you have to actually put your social security number in before you can get a premium. that's unbelievable. you know, everyone tells you don't put your social security number on a website. in maryland you have to give your personal information just to get enrolled, and you don't even see the premium. in states like maryland, they don't want to show you the whole they only want to show the subsidize -- i find this very strange that the most transparent administration ever won't actually show you the premi premium. so the subsidized premium is what they'll be paying? >> what ab...

And met their needs. this is a whole new world for them. so this is -- these are new opportunities for consumers. part of this that we're talking about is the affordable care act requires plans to cover essential benefits. i couldn't tell you how many stories i've heard of people who had a plan, who paid what they thought was a great deal, a low premium, and then the unimaginable happens. they get diagnosed with cancer, they get in a car accident, and lo and behold their plan doesn't wolf what they need. in their words my plan is worthless. we've got to go to a break. absolutely i think ann ...

Premi premium. >> gabby give forwards is expected to arrive shortly. it state of the union continues very shortly. please stay with us.

Works for ordinary families. a prescription -- this is a patient's bill of rights on steroids. so many of you individually have worked on these insurance reforms, they are in this package, to make sure that families are getting a fair deal, that if they're paying a premi premium, that they're getting a good service in return. making sure that employers, if they are paying premiums for their employees, that their employees are getting the coverage that they expect. that insurance companies are not going to game the system with fine print and rescissions and dropping people when they need it mos...