THAT PART OF YOUR FORECAST IS STRAIGHT AHEAD. ALL RIGHT, ANDREW. A BIG CHANGE COMING TO MICHIGAN'S LARGEST INSURANCE PROVIDER. GOVERNOR RICK SCHNEIDER HAS JUST SIGNED LEGISLATION OVERHAULING BLUE CROSS BLUE SHIELD. AND LOCAL 4 BUSINESS EDITOR ROD MELONI LIVE DOWNTOWN WITH MORE ON THIS MAJOR MOVE. QUITE A CHANGE FOR THE BLUES? A BIG CHANGE, GUY. IT'S A BUSINESS FORUM CHANGE BUT IT HAS A LOT TO DO WITH THE HEALTH CARE BILL THAT WAS SIGNED BY PRESIDENT OBAMA, OBAMACARE AS SOME PEOPLE HAVE KNOWN TO CALL IT. NOW ESSENTIALLY WHAT THE GOVERNOR DID WAS SIGN THE BLUE THAT TURNS BLUE CROSS BLUE SHIELD INTO A NONPROFIT MUTUAL INSURANCE COMPANY IS ONE WHERE ITS MEMBERS WHERE PEOPLE WHO HAVE INSURANCE WITH THE COMPANY ACTUALLY BECOME THE OWNERS. WHAT THAT DOES IS IT CHANGES THE FORM. BECAUSE BLUE CROSS BLUE SHIELD IS WHAT THEY CALLED A MOST FAVORED NATION STATUS NONPROFITABLE CHARITABLE ORGANIZATION THAT SOLD HEALTH CARE TO PEOPLE WHO COULD LEAST AFFORD PROTECT THEM. WHAT THIS DOES IS MOVES IT OVER INTO THE MUTUAL AREA. IT DOES CREATE A SEPARATENT THAT I WILL HAVE A CHARITY ATTACHED IT TO BUT THE GOVERNOR TALKED ABOUT WHY THIS HAPPENED AND WHAT IT MEANS TO CUSTOMERS. THIS IS GOING TO ALLOW THEM TO BE MORE SUCCESSFUL IN TERMS OF THE OLD STRUCTURES THEY WERE WORKING UNDER IT MADE IT VERY DIFFICULT FOR THEM TO BE AS EFFICIENT AND EFFECTIVE AS THEY COULD BE IN THE MARKETPLACE AND THIS LEGISLATION REALLY CREATES AN ENVIRONMENT FOR BLUE CROSS TO CONTINUE DOING THE GREAT THINGS BUT TO DO THEM IN A BETTER ENVIRONMENT INSTEAD OF BEING CONSTRAINED. AND THAT CONSTRAINT, THE GOVERNOR WAS SAYING IS THAT IT TOOK BLUE CROSS BLUE SHIELD A LONG TIME TO BE ABLE TO GET COMPETITIVE KINDS OF RATES. SO ONE OF THE OTHER THINGS THAT'S INTERESTING ABOUT ALL OF THIS IS WHILE THE GOVERNOR AND THE ATTORNEY GENERAL ARE REPUBLICANS, AND USUALLY ARE IN LOCK STEP ON SUCH THINGS THE ATTORNEY GENERAL IN THE STATE OF MICHIGAN DOES NOT THINK THIS IS A GOOD IDEA. COMING UP ON LOCAL 4 NEWS AT 5:00 AND 6:00. WE'LL TAKE A LOOK AT WHY