The potential is really limitless.
Our view is that the pharmacy benefit is an extraordinarily good benefit. Many of these drugs cost more than $100 at retail for a month's supply. Virtually all of our members will be paying between $10 and $15.
Underwriting has slipped. If you look at FICO (credit) scores, many loans today are made with sub-prime FICO (credit) scores, ... We are just asking for trouble.
We want MCHA to remain the insurance of last resort. It shouldn't be less expensive to go to MCHA than to stay with my current plan through COBRA.