Mr. Speaker, I think it is a far bigger problem than the Minister is giving it any credit for. I met a young man yesterday. He has a chronic condition. It costs him $10,000 a month. If that individual, who just graduated from university goes and works for the GNWT, he gets 80 percent coverage under his insurance. Therefore, he is only going to be spending $2,000 a month out of pocket. He is probably going to start at about $50,000, so if he chose to say, okay, I don’t want to work for the GNWT, I am going to go somewhere where they don’t give me insurance, he is going to get all the money covered, which is $10,000 a month; 12 months, $120,000. It is going to cost us more money.

Our best interest and the best interest of everything is to get as many people on insurance as possible. If people are covered by insurance and then we provide some top-ups, it is going to save us a lot of money in the long run. That is consistent with the policy that came out on September 30, 2007, yet the Minister’s plan is going to be a disincentive for anybody to get insurance. Everybody is going to dump their insurance. Anybody making under $50,000 or $60,000 is going to dump their insurance. My question to the Minister is: where is the incentive for people to get insurance? What is the incentive to help us save some money so that we can provide some of our services? The only thing we are doing is increasing our costs and hurting our people.