you see a number of folks who had life jackets on the decks there. meantime the ferry's captain is also speaking for the first time. he is saying the team did their best to save everyone on board. >> well after years of delays the all-important employer mandate portion of obamacare is going into effect for the first time this as republicans prepare a new offensive in an attempt to repeal the law now that they have majorities in both houses of congress. katie pavlich news editor of townhall.com and fox news contributor. she joins us with more insight. thanks for joining us. happy new year. >> good morning. happy new year, heather. heather: the new year is not happy for some folks because when it comes to obamacare many important things are happening many calling them the most important yet. three major things i specifically want to talk about. employer mandate as we mentioned kicks in. fines for lack of health car coverage for individuals.