short memory about how bad that individual market was, and continues to be. that s actually a large part of the reason we did health reform, is because people who didn t have health employer-based insurance often went to that market. exactly. either got denied coverage, had carveouts of things. if they had cancer, couldn t get treatment for the cancer or had very, very high prices. and it changed from year-to-year. and i think people forget how bad that market was. exactly. now this is a vital point. the very things that they are trying to defend over on the conservative side, the antis when it comes to the health care reform law, is the very reason why the law morphed into what it is today. the reason why it was addressed. because the private insurance market was so horrible for consumers in this country, the rates going through the roof, the services not being delivered or should i say covered.