yes, an insurer who priced plans already for 2014 doesn't want to and likely won't want to offer a plan priced for 2013. it doesn't make sense. that's not how the insurance market works. that's what you hear from the national association of insurance commissioners. this will be unworkable. >> yes. >> essentially what tamara is asking insurance companies to do is be punished for compliance with the law. >> no. >> it costs money to even send out letters, to commit administrative functions. now you want them to do what they said, price in the next year's budget and change it based on -- >> they never had to cancel their plans. >> let me finish. >> 5 million lost it already. >> they couldn't follow through. >> they were allowed to grandfather plans in. they decided to offer new plan that is complied with the law. that's why the majority of plans are being turned out. >> where is your proof? >> all right. one at a time. one thing we know is that in july of 2010 if you look at the