There's no question that they will.
Premiums are a function of the expected cost that we will be outlaying on behalf of an insured individual. If those costs decline, anything we can do to bring those down will have a positive impact on premiums in the extent of reducing them. For many employer plans, they bear the cost of the medication directly. We just administer those on their behalf. It's an immediate and direct flow-through.
This is why we're so supportive of these reforms. It's critical that we get the prices more aligned with what we see globally. It's going to free up capacity to even contemplate paying for some of these new medications. It's really important that we get this done. We've been at this for many years now, and I think January 1 is the date we should be holding to.