leverage to bring prices down and then republicans could be for something positive that would get people insurance. without something positive, i think we're offering them, you know, obamacare with santa claus. we're offering half as much. we're going to be santa claus light. i don't know how that is a winning thing for the american people. >> neil: you're a doctor by training. some cushions are build in, but should they? a higher risk pool of potential patients. the coverage is not denied them, but they will pay potentially more. >> here's the interesting thing. if you work for general motors and your wife gets breast cancer, you don't pay more. if you're a plumber and you're wife gets breast cancer, your rate doesn't go up.