employers. i think 70 or 80% of americans are covered by employers. what you are dealing with is people who are in the margin who need a better plan. they look at a lot of what s been done on both sides and say whatever. nobody has come up with anything that puts me in touch with closer to my doctor. something has to be fixed, let me go back to you on this. i think they see republicans and democrats not willing to get together enough to fix this thing. martha: i agree there s al disagreement as to why this is happening. yes medical costs are rising due to medical inflation pretty hundred 55 million people covered through insurance by their employer seeing less dramatic increases to their premiums than the people in the exchanges whose premiums are being dictated by the affordable care act. it created a lot of problems. martha: the affordable care act is driving up employer coverage costs as well. absolutely because it affects