 for health care. That is one of the reasons why health insurance costs are so high because the free riders and the free rider problem is as bad as it ever was. Here with us to talk about the state of health care costs is Phil Kirpin, president of American Commitment and Committee to Unleash Prosperity, a contributor to Fox News Opinion, chairman of the Internet Freedom Coalition, and author of the book Democracy Denied. Welcome to the Alan Nathan Show. Hey, great to be with you, John.