>> a governor has a great deal of sway. it is quite likely that today people are starting fresh. >> many people are given until january 10 make their first payment. jon: our next guest says that so much confusion and backtracking since the rollout, the system may end up unraveling. also the cochair. if fox news contributor, we have deadlines today. how is this looking? if you take a worldview of obamacare. what you see? >> this is not where the white house thought they were going to be on december the 23rd.