Insurance has been as waiting and going up for a long time no now. people are telling you insurance rates would be higher today were it not for the afford will care act and again, implementing some sort of system where they pay for medicare for all. it's a very tough program with so many people around the country, including the viewers on fox news and so let's give everybody a chance to pay into something like that that can pay the rates down. again, that's what's going to help bring the uninsured rate down. >> jon: how do you bring the rates done without competition? there would be competitio...