through an employer, your own or your spouse's, you're likely to hear your employer tell you this year, i'm sorry, in 2014, i'm not going to be offering a health insurance. >> brian: i'm taking the fine? >> i'm taking the fine or i'm pushing you down to part-time status, one or the other. so you'll have to go to the health insurance exchange in your state or may be pushed onto medicaid if you're a low paid employee, such as retail salesperson. or a busboy, somebody starting out in life. number five, women kind of got bamboozled in this election. so much of it was about contraception, but nothing in this gigantic law guarantees access to contraception. what your health plan covers is totally up to the president's appointees. so this occupant of the white house says cover contraception, and the next occupant of the white house could say just the opposite, no contraception. >> gretchen: interesting. those are the top five things. i'm sure there are many more things we'll continue to talk about as we move forward with