as anybody with the flawed launch of healthcare.gov. let me say directly to these americans, you deserve better, i apologize. i am accountable to you for fixing these problems, and i am committed to earning your confidence back by fixing the site. >> as the secretary and her team are working to fix the site, as you heard, you are left with questions about obama care. and here to answer them is sandy metcalf from consumer reports. thank you for being with us. >> my pleasure. >> some are saying you have to buy a new policy, and it might cover more but it's more expensive. are these people be asked to buy the policy and things they don't need? >> the reason they are being cancelled they are not adequate to the new rules of the law, and the thing that is not adequate is they don't cover everything