insurance as that this is the kind that will allow you access to see this doctor whether you are sick or well. i am concerned that it may not pay for high technological solutions on the other end that don't work for everyone. that are brand-new and bells and whistles that are really exciting, personalized medicine, but a very expensive. insurance companies may decide not cover it. and medicare, or that we have talked about, they may decide not to cover it. shannon: these changes are where a consumer in the state of utah -- they would have to shop for your insurance. that is where they will be better than products will be there. so they can set their own, they can allow the feds to come do it, or they can do a kind of a hybrid. but you are talking about it significantly changing what insurance is available or how it works for people in practice? >> absolutely. what i'm most concerned about is the price of premiums. i am all for that.