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about not covering prescription drugs, not covering hospitalization, not covering doctor visits, not covering x-rays. it s just been horrendous, and it s been very difficult for people to navigate. the affordable care act is going to change that. you re not going to be able to buy a junk plan anymore. they re against the law. do you think that s a good thing? absolutely, because it s doing for people on the individual market what big, huge human resources departments have been doing for years for people who get insurance through their jobs. so, the employer-provided health care, the people who are negotiating these big, bulk contracts, they also put in minimum standards into those big contracts when you get employer-provided? yes, absolutely. dr. sharma, you re now active in health care provider in maryland that s setting up this exchange, and the other thing besides plans getting canceled is the idea of rates going up. we are hearing any time there is an american out there,

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