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Customers make better decisions. 136 year, we will have Group Health Plans and 26 different individual plans. When you have that many options, we know an shows that it is overwhelming. We heard that from our customers currently. We heard it from our broken partners broker partners, our navigators, and our assistance. Next year, we will be launching something similar. For 2016, we will also have new standardized plans. That means standardized benefits , as well as outofpocket expenses, that will help our customers make more informed decisions, compare apples to apples. In our first year of operation, we had semistandard products. The benefits had to be the same in the essential Health Benefits benchmark no substitutions. Copays and other outofpocket costs very. Although that was helpful, it was not the complete tools some needed to make good decisions. Same thingsed the as kentucky. Folks chose platinum when they had few opportunities to get medical care. They did not need it, they were

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