sometimes have higher co-pays? >> higher co-pays, unlimited out of pocket costs for often coverage that was medically underwritten or excluded whatever medical condition they had in the first place. >> so these were typically one-year contracts. if they used the plan because they got sick or were in a car accident or a victim of domestic violence, sometimes they would be thrown off their plans or their rates would go up? >> yes. >> i think that's important to know, madam secretary. i'm intrigued as well that my understanding is last month hhs conducted an analysis that found nearly six out of ten uninsured americans getting coverage through the marketplace will pay less than $100 per month. >> they will have a plan available for less than $100 if that's their choice, yes. >> and that number would be even higher, would be better if more states chose the option of using federal funds to expand medicaid to cover their low income population? >> very definitely. that's just a marketplace snapshot.