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But it is particular was a benefit required to add to the cause . Is there enough money to allow for the less merrill networks . Go back to this section of the love with the benefit requirements. Hospital doctor lab them Prescription Drug benefit for each. He did have the Prescription Drug benefit or a hospital benefit that pays 7 of the first 30 days then 100 percent. Not that you take any benefits away but that you do a different co pay and with what can be delivered with those benefits to restrict generic drugs if there are alternatives available. There is flexibility how to provide those benefits. Employers provide a 70 percent actuarial benefits but they do it efficiently for a much lower cost. There is a number of variables the way you packaged the benefit. Dont get me wrong. It is a zero sum game. You take something away when you do that. But the difference is Healthy People want Different Things than six people. Everybody wants catastrophic insurance because the healthy person

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