first of all i want to make sure that [everyone] knows about our new web site which is healthcare. gov which gives very specific information about plans available in the marketplace. after the first of october we’ll have pricing information along with those plans. but for the first time ever we’ve pulled together all the information by zip code by age by health status of what’s available in both the public market and the private market. and that’s a really good tool to go to over [and] over and over again. i would say before you cancel anything and try to rebook you need to know what your company is going to do with your plan. a lot of companies are picking up these additional benefits. you need to price the alternative. but the good news is our actuaries have told us that the new benefits will likely only cost between one and two percent in terms of premium increases. and we’ve really called on insurance commissioners and others to take a careful look at high rates that are being charged by companies to make sure that they relate directly to health benefits that people are getting.
to reap the new health care benefits is it necessary to cancel my existing policy and start a new one? . how are these increased benefits affecting the rates? if i cancel my existing policy and start a new one should i expect to pay two or three times as much for coverage?