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martha: talk to us about the process. you talked about the decision last week which said the opposite of what this judge is saying. >> there are 15 lawsuits in the country. only two decided. the one in detroit and pensacola. all 15 different federal judges rule. whichever waive they rule, the loser will appeal. that will go to the interest immediate appellate courts. there are 13 of them. martha: some states it will be constitutional, some states it's not. >> you could but the supreme court will ultimately rule whether it's constitutional. how long will that take? three years. the individual mandate to buy health insurance doesn't kick in until 2014. martha: in every state you have to buy driver's insurance. >> no because that's a state law

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