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The committee on Health Care Benefits will come to order without objection, the chair is authorized. My understanding that democrats caucus is not designated who all the members are. Well. Wrence as we dont know who is all on this committee. We need to do a unanimous consent that all members on the committee be allowed to participate without objection. So ordered. Welcome to the new congress. Mr. Krista morphy, we appreciate you being here and being the making member. We have mr. Mitchell and a number of other new members to the Oversight Committee will be joining us from the democrat side. I want to welcome mr. Mitchell to the committee this afternoon. Lets start with Opening Statements and get to our witnesses. We appreciate our witnesses in your today, talking about an important subject. Health insurance premiums are soaring. President obama and the administration promised that the Affordable Care act would Lower Health Insurance premiums by 2500. American families are still waiting

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