The only thing I saw that contributed to the 3 million is the open enrollment time was shortened from last year. It went to Jan 31st last year and only until Dec 15th this time around. Although certain areas were granted an extension until Dec 31st because of Federal disaster area's and maybe a state or two that extended their exchanges. Well, maybe a few didn't purchase because they thought the mandate was gone. Have to add just received notification anyone from Puerto Rico and U.S. Virgin Islands that had to relocate to U.S. just received an extension to March 31st.