Yes, that is correct. That is correct. If they change the copay, they are no longer grandfathered. Mr. McCAIN. So even though it is obvious that the cost of health care is going up, continues up dramatically--that is estimates of OMB, of literally every objective observer; the curve has not been bent down-- that unless employers keep exactly, with very little wiggle room, basically the same health insurance policy for their employees, then they will then have to comply with a government-mandated health insurance policy. Is that correct?
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