Bill Clinton: “That's correct. There are two questions that were asked that I want to clarify. One is the lady said, ``Who decides when…”

“That's correct. There are two questions that were asked that I want to clarify. One is the lady said, ``Who decides when I leave the hospital, the doctor or the insurance company?'' And I said the doctor. That is right with one exception. Keep in mind what I said. Mental health benefits under this plan cover limited hospital stays until the year 2000. With that single exception, the doctor decides. The second point I want to make: You remember the gentleman who stood up over here and said he had 10 employees and he paid 4 percent of payroll, and what was going to happen. And I said he'd pay about the same amount. I want to clarify that in a couple of ways. Number one, you're eligible for a subsidy if you have fewer than 50 employees. But you don't get the subsidy on employees with incomes of over $24,000. Almost all small businesses have incomes less. So I want to make it clear. So we're actually trying--before the end of the show, we should be able to tell him exactly what his rate will be. But let's say, for example, he had to go up to 5 percent or 6 percent from 4--got more generous benefits--two other things would happen which might make it a good deal for him anyway. Number one, we're going to fold in the health care costs of workers' comp into this system, and the health care costs of workers' comp have been going up even more than regular health care costs for most businesses. Number two, if you have a claim against you or against your employee as a small business, your rates can go up 20 percent in a year, or 25 percent in a year just if you have a claim. Under our system, the small business would be protected from that. They'd be able to be basically on the same wavelength as some big company and would have a very marginal impact on rates because they'd be in a huge pool instead of just out there. Mr. Koppel. Let me ask you to swivel around again if you would. We've got a question from a medical student back there. Go ahead, please. [A medical student asked about medical school debt deferral, malpractice reform, mandated specialties, and reallocation of funding, especially for care at the beginning and end of life.]”