control as she is paying for somebody else's birth control. >> that's what insurance has always been. you pay at the risk -- >> melissa: not for -- >> it's insuring against risk, that's what insurance market was created, car insurance, house insurance, health insurance. with that being said, the essential benefits also allow the 60-year-old woman to get a mammogram, she needs one of those like every woman should have. we talk about the essential benefits, it benefits the entire marketplace an end and shires and shires don't make ensures them against risk. that way we see these crus in health care over time. not individual premiums. >> it is not decreasing though. >> let me be very clear. >> melissa: amy, go ahead. >> we are not seeing a decrease in health cost, we are also seeing an increase in premium and plans being dropped and