built in disincentive for use. >> the reason why it's worked pieces missing of the puzzle is this in massachusetts there is a high -- >> why massachusetts? >> people compare romney care to obamacare. obamacare is worse. check this out. there is a deductible, right? $2000 individual, 4,000 family, max. obamacare there is no maximum. by the time -- >> houchl you support health care savings accounts? >> love them. love them. >> it's not insurance. >> with health savings accounts >> health insurance is not insurance. it's prepaid care. how much better if we paid our own? >> it's the patient on how to manage their own health care. finances are in their control. doctor-patient relationship. >> give yourselves a hand. that is all the time we have