Whenever you have confusion like this in the marketplace, it opens up opportunities for fraud. People will really have to make sure they're dealing with reputable entities.

I realize that. But the potential payoff for seniors is so huge that we hope it will be a worthwhile investment for them.

For young healthy people and families, they may well end up being the winners; the problem is somebody else is likely to be the loser.

This is really about shifting costs to sicker people.

People are going to go untreated because of our failure to make sure that everybody has coverage.

Many people are taking drugs that are highly advertised. They may ask doctors for them or the doctor may prescribe them without realizing the cost implications. Even for a person just switching one drug, they could save enough money to easily pay for the premium of their Part D plan.