I was wondering about rate controls, Carol.

I probably got those avergae premium rates from Kaiser Family Foundation materials. googlable question.

Out of pocket expenses are key to cost control. They have to be careful on low income folk there, though, as you say. I think all of the proposals have annual caps on out of pocket. If everybody gets free free free all the time the cost consciousness has to be shifted away from the physicians and patients and to you know who.