OLD, UNRESTRAINED IN THE BACK SEAT. SHE WAS ARRESTED AND CHILDREN TURNED OVER TO THE GRANDMOTHER. Devin: THE HEALTH INSURER OF LAST RESORT IS ABOUT TO CHANGE INTO SOMETHING QUITE DIFFERENT. Carmen: BLUE CROSS/BLUE SHIELD IS ABOUT TO BECOME AN INSURER LIKE MANY OTHERS. LET'S GO TO ROD MELONI LIVE DOWNTOWN WITH THE STORY AND THE CONCERNS THAT ARE BEING EXPRESSED. Rod: BLUE CROSS/BLUE SHIELD HAS ENJOYED WHAT'S MOST FAVORED NATION STATUS AND HAS A SPECIAL RELATIONSHIP WITH THE GOVERNMENT AND TRADING IT IN FOR THE ABILITY TO MUCH MORE QUICKLY DEAL WITH RATE INCREASES OR RATE CHANGES. THE GOVERNOR SIGNED THAT BILL, AND THERE ARE SOME HOWLS OF CONCERN IN THE SENIOR CITIZEN AR ARENA. CONGRATULATIONS! [APPLAUSE] Rod: WITH THE STROKE OF A PEN, GOVERNOR SNYDER BROUGHT BLUE CROSS/BLUE SHIELD INTO THE PRIVATE SECTOR. THE AFFORDABLE CARE ACT CHANGES THE WHOLE DYNAMIC OF THE MARKETPLACE. SO THE IDEA IS, IS WE SHOULD HAVE A MORE COMPETITIVE PLAYING FIELD WHERE THE MARKET REALLY DOES DECIDE ON THE EXCHANGE. Rod: IT GOES FROM A TAX EXEMPT NONPROFIT TO A MUTUAL NONPROFIT AND IT WILL BE OWNED BY THE INSURED CUSTOMERS AND WILL NOW HAVE TO PAY ROUGHLY $100 MILLION ANNUALLY IN LOCAL AND STATE TAXES AND CREATE A NONPROFIT FOUNDATION OF $1.5 BILLION OVER THE NEXT 18 YEARS FOR IMPROVED HEALTH CARE ACCESS FOR CHILDREN AND THE ELDERLY. THE CRITICS OF THE PLAN SAY IT'S THE ELDERLY WHO WILL END UP PICKING UP THE SLACK AND BEARING THE PAINFUL BRUNT OF THIS NEW SYSTEM. RETIRED ATTORNEY IS A SPOKESMAN FOR THE AARP. A LOT OF PAIN FOR SENIORS BECAUSE THESE ARE PEOPLE WHO ARE NO LONGER IN THE WORK FORCE AND WITH OUR CURRENT ECONOMY, THE CHANCES OF THEM GOING OUT AND GETTING ANOTHER JOB IS SIGNIFICANTLY DECREASED. Rod: AND MICHIGAN ATTORNEY GENERAL BILL SCHUETTE IS NOT ON BOARD WITH IT EITHER AND PUT OUT THIS STATEMENT: Rod: NOW, PART OF WHAT HE IS UPSET ABOUT IS THAT THE ATTORNEY GENERAL'S OFFICE HAS HAD OVERSIGHT OF BLUE CROSS/BLUE SHIELD FOR MANY YEARS AND WILL NO LONGER HAVE THAT AND TALKED ABOUT THE SENIOR CLIFF THAT HAPPENS IN 2016 WHEN THE MEDI-GAP RATE FREEZE ENDS, AND