in effect they could be in effect. if not, the consumer protections that are available through the affordable care act could come into the plan. >> could some small group plans being canceled because they do not comply with the aca. >> they change plans every year, that's part of the market strategy. decreases, some will see increases, yes? >> well, mr. pitts, i think that the president talked about health care costs going down for americans. i think that we have adequately documented that health care costs indeed have gone down based on a trajectory we would