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it s a good question. i am not sure the failure of the exchanges would destroy the private insurance market. we have to remember that most americans, the vast majority, ar ensured through their work or through a program like medicare or tri care. we are talking about a small group of americans. that is different than obamacare exchanges. you have 48 million people who are uninsured out there. the whole goal of this is to get a bare minimum of 7 million. that s right. if you don t, and you have to get it by march according to the administration, the whole system falls. it is true. you need the risk pools to be in balance in order for people to be paying a certain premium. they certainly do need young people to balance out the sick patients that will now be insured through the market places. they can t discriminate against people with preexisting conditions. there is no question and we have to watch and see what

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