Hi, I’m Steven Dornbusch, and I fall into a large group that used to be called uninsurable.  But I can work, and do work, and I’m worried about what will happen—I’m on COBRA now—about continuing my coverage for the rest of my life with my illness, which I have for the rest of my life.  I have insurance with one of the biggest providers in the state and the country.  I was told I could, in the future—because I like to be two steps ahead—apply for continued coverage.  In other words, I could be dropped, for being too sickly and too expensive, by my insurer.  I was not told that I have the right to force my insurer to continue to offer coverage at some premium cost.  I was not told that, even though it’s my right.  I learned that from the Department of Insurance.  So I thank the Governor for the man who answered the phone at the Department of Insurance, but how would I know that?  And if I wasn’t an aggressive person who cared about his health care, and educated enough to read, I might not know that, and I might have simply applied, say a year from now, and been dropped by my insurer.  And this is life and death for me.