. >> t people who can't afford are covered mediid, are they not? >> lten, yes, they are. this idea is not coming from mars or the moon. this is the way the united states was through the ' dz, 50s, 60s, 70s. back when we had rotary phones. i looked at my mother's hospital bills to have a baby. was $20 overnight hospital paid out of pocket. >> hold on, rick. you're telling me that somebody who's paying 200 bucks aonth for their cell phone can't afford a $10 urinalysiurinalysi? >> i didn't say that at all. >> wait, wait. >> you say people can't afford it. they cannot afford $10 costs on tests? >> first of all, aside from liking the idea of undercare, a couple of things to get straight here. for starters, you're not lking about a free market system. you're talking about a free market system up to a certain point. when you start talking abo catastroph insurance, you still have the sa costs. >> steve, isthat true? >> no. because when y focus on things like catastrophic insurance, when you focus on tngs that cost $20,000, $40,000, $100,000 today, again, the virtue of free market