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states. that still is the case. the affordable care act did not change that. it s still regulated at the state letter. i can tell you the number of neem would call our office over and over and over again saying, i have health insurance. i can t get the company to pay my claim. i have health insurance, and i was just told that the plan is bankrupt. so there are no claims to be paid. i have health insurance and it looks like, while they say they cover ambulance care, they have a limitation on $50 worth of ambulance care. i mean, over and over and over again what we could be able to say to those people is, first, i m really sorry you are in a terrible situation. secondly, we do not have any regulatory authority over these plans. we can t check and see if they have enough money in the bank to pay their claims. we can t check and see what kinds of information you had at