covering people until 2014 when everyone will be required to be covered by the carriers. the ones you have to break to gently they re going to get coverage but it will be another few years, do they then say, will i still get it for free or what? yeah. unfortunately that s been part of just information that s out there. the healthcare legislation as you know is complicated. it s got a lot of moving parts to it and it s difficult to get an accurate picture. so people think we passed this healthcare reform and that now we re going to have universal coverage and that s not true. we have to break the news that no, there s no free care now. depending on your north income , starting in 2014 you ll get subsidies but today it s pretty much the way it s been the past decade or two. neil: interesting stuff. sam gibbs, thank you very much.