businesses offer prescription drug benefits. medi-gap insurance offered by private health insurance companies. part "a" and "b" is already delivered through private health insurance companies. so if he is concerned about private businesses involved in the medicare delivery system, he should be concerned about medicare as we know it because that's how the benefit is delivered today. what we're saying is have a system of choice and competition where medicare sets up a list of competitive plans, guaranteed coverage options that seniors choose from for 54-year-old and below and medicare subsidizes those plans. the same system i've had a congressman and the same plan that president bill clinton bipartisan commission to save medicare recommended. this is what we are proposing for 54 and below. that saves medicare and prevents it from going bankrupt. senator reid seems to be con tent with the fact that medicare is going bankrupt because they are offer nothing plan or solution to solve the problem. >> bret: you know the healthcare marketplace is one of the most complicated in the world. even doctors spend time trying