Generate an explanation for the given claim using the provided supporting material from the paragraph. Please consider the following points while generating an output. 1) The claim will always have supporting proof in the paragraph, and the paragraph will have a clear point of view supporting the claim. 2) There can be instances where direct correlation to the claim is not available. Make use of the sentences in the paragraph to provide a corresponding output supporting the claim. 3) The explanation should be at least one and at most twelve sentences long.

[Q]: Paragraph: WellPoint, which released lower fourth-quarter results on Wednesday, said that based on age, insurance plan selection, income levels, gender and available pharmacy data, it believes it has set the right premium rates for these new customers. Insurance plans under President Barack Obama’s healthcare reform law went on sale October 1 and into effect on January 1. Initial enrollment data nationwide has shown that the first wave of people who enrolled are older people who can be more expensive to insure because they often have more health problems than young people. Shares in WellPoint rose about 3 percent, or $2.75, to $87.05 in morning trading after the comments. Competitor Aetna Inc shares rose 39 cents to $69.32 while UnitedHealth Group Inc gained 33 cents to $72.03. “There was a concern that a lot of the firms that were involved in the exchanges would be underpriced for the demographic that would find the exchanges appealing, at least over the first year,” Morningstar analyst Vishnu Lekraj said. “What they said was that they priced everything appropriately given the data they have currently, in terms of medical cost utilization,” Lekraj said. WellPoint, one of the biggest players on the exchanges, said that it was still not certain about how enrollment, which is open until March 31, would finally end up, contributing to uncertainty about its 2014 earnings. The company forecast earnings of above $8 per share in 2014, representing a likely drop from the $8.52 it earned in 2013 before special items. Analysts on average were expecting 2014 earnings to fall to $8.39 per share, according to Thomson Reuters I/B/E/S. Chief Financial Officer Wayne DeVeydt said the 2014 outlook reflects about a $100 million negative effect of changes in government policy regarding the rollout of Obamacare. Late last year as political pressure mounted around technology problems on the exchanges and the higher premium rates on new plans, the Obama administration said that older individual plans could be renewed and it increased the number of people eligible for catastrophic coverage. DeVeydt said ACA insurer fees, which are not tax deductible for insurers, would cost earnings $1.10 per share and that it would spend about $30 million on first-year exchange costs. FOURTH-QUARTER PROFIT FALLS  WellPoint said fourth quarter profit fell as consumers increased their use of medical services ahead of the cancellation of some insurance plans at the end of 2013. The company also took a charge for the recently announced sale of its contact lens business, 1-800 Contacts, to private equity firm Thomas H. Lee Partners, which caused a sharp decline in net profit. WellPoint, which sells Empire and Anthem Blue Cross Blue Shield plans, also said its costs went up as it prepared for the rollout of Obamacare, and an expected increase of 1 million new members this year. So far, about 3 million people have enrolled in exchange plans, according to the government. The Congressional Budget Office had forecast that about 7 million people would sign up for 2014 coverage. Sign-ups are lagging targets because of technology problems in the first two months after the launch of the national website HealthCare.gov that sells insurance plans in 36 states. The other 14 states run their own sites. WellPoint said it had received 500,000 applications for new individual health plans that went into effect January 1, most of them for exchange-based plans but some for plans it sells off the exchange. Income-based subsidies from the government are only available for exchange plans. It said most of these customers were new to WellPoint. WellPoint said net profit for the fourth quarter fell to $148.2 million, or 49 cents per share, from $464 million, or $1.51 per share a year earlier. Excluding costs for the sale of 1-800 Contacts and investment gains, earnings fell to 87 cents per share from $1.03 per share, which also included investment gains and acquisition costs. The quarterly earnings were in line with analyst expectations, according to Thomson Reuters I/B/E/S. The company spent 87.8 percent of its premiums brought in on medical claims, up from 87.3 percent a year ago. It said that as old individual plans were being canceled ahead of the introduction of the new 2014 insurance, customers used more medical services. Spending on medical procedures, doctor visits and hospitalizations has been at a historical low for the past several years. This has helped insurers keep these medical cost ratios down while still complying with the Affordable Care Act, which requires them to spend at least 80 percent of plan premiums on care or refund customers the difference. WellPoint said it added 145,000 members during the quarter as it picked up small business customers and new enrollees in the California Medicaid program for the poor. It had 35.7 million members at the end of 2013. Claim: WellPoint says health exchange applicants hit expectations.
[A]: U.S. health insurer WellPoint Inc said on Wednesday the applicants for the new Obamacare health plans are of the age and demographics it had expected, indicating that medical costs will not soar beyond the prices it charges.


[Q]: Paragraph: "During a recent appearance on The Daily Show, guest host John Oliver and Sen. Rand Paul, R-Ky., engaged in a lively exchange on health insurance. One of the issues they discussed was the high cost of health insurance. Paul, an eye surgeon, is strongly opposed to President Barack Obama’s health care law. During the interview, Oliver pressed him on how to get more Americans signed up for insurance. Paul told Oliver that according to the most recent statistics,  ""85 percent of people had insurance, so 15 percent didn't. So what you need to do is look at who are the 15 percent, and why don't they have insurance? Of the 15 percent who didn't have insurance, half of them made more than $50,000 a year. Why didn't they buy insurance? Because of the expense. They were young healthy people."" In this fact-check, we’ll check whether the cost of insurance is the biggest barrier to uninsured Americans. In a separate report, we’ll look at his claim that half of the uninsured made more than $50,000 a year. Survey data consistently shows that cost is the biggest barrier to uninsured Americans obtaining coverage. When the Kaiser Family Foundation’s June 2013 health tracking poll asked uninsured respondents for the main reason they didn’t have health insurance, a plurality of 40 percent cited cost. The second-biggest factor, at 26 percent, was related to employment, such as being unemployed or having a job that doesn’t offer health insurance. These two reasons aren’t mutually exclusive -- someone could have told the pollster that their lack of a job was the biggest reason but also find cost to be a barrier to obtaining insurance. The only answer in the poll that suggests the respondent doesn’t face a cost obstacle is ""doesn’t need insurance,"" which was the answer of only 11 percent. In another survey, the 2011 National Health Interview Survey, conducted by the Centers for Disease Control and Prevention, researchers asked, ""Which of these are reasons you stopped being covered or don’t have health insurance?’’ Respondents were allowed to choose more than one reason. In this survey, too, a plurality -- 42 percent -- cited cost. Three other reasons cited are compatible with cost being an obstacle -- a lost job or a change in employment (26 percent), an employer that didn’t offer insurance (11 percent) and ineligible due to age or leaving school (9 percent). Just 6 percent cited ""other,"" which included ""didn’t want or need coverage,"" among other answers. ""The cost of insurance is a major reason why people are uninsured -- Sen. Paul is right about that,"" said Jonathan Oberlander, a health policy professor at the University of North Carolina School of Medicine. ""People without access to employer-sponsored coverage have a hard time affording it on their own, and that accounts for most of the uninsured."" Our ruling Paul asked, ""Why didn't (uninsured Americans) buy insurance? Because of the expense."" Survey data supports him. A plurality of respondents in major surveys of the uninsured specifically cite cost as a barrier, and relatively few indicate that going uninsured is a voluntary choice." Claim: Why didn't (uninsured Americans) buy insurance? Because of the expense.
[A]: "Paul asked, ""Why didn't (uninsured Americans) buy insurance? Because of the expense."" Survey data supports him. A plurality of respondents in major surveys of the uninsured specifically cite cost as a barrier, and relatively few indicate that going uninsured is a voluntary choice."


[Q]: Paragraph: Co-owner Nancy Truman prepares a box of donuts for a customer at Fonuts bakery, which offers unfried, gluten-free and vegan donuts, in Los Angeles, California September 19, 2011. REUTERS/Lucy Nicholson Truman is among the estimated 18 million people in the United States who are sensitive to gluten — a hard-to-digest protein found in wheat, rye and barley. Another 3 million-plus Americans are thought to have celiac disease, a potentially life-threatening autoimmune disorder that is treated by eliminating dietary gluten. In business, as in acting, good timing proved crucial for Truman. Sales of gluten-free products have been booming despite the weak U.S. economy. Health advocates and gluten-free celebrities such as 2011 U.S. Open champion Novak Djokovic, Chelsea Clinton and TV host Elisabeth Hasselbeck have helped drive demand by raising awareness about celiac disease and gluten sensitivity. Truman also had the good luck of being a friend and neighbor to Waylynn Lucas, one of Los Angeles’ most celebrated pastry chefs, who is a fan of her gluten-free goodies. The two now are partners in (fonuts), a new coffee shop that sells baked, not fried, doughnuts. Gluten-free options account for half of sales at (fonuts). Lucas said customers are either avoiding gluten themselves or “have a friend, a boyfriend, a girlfriend, a cousin, a father, a mother, a whatever, who is gluten intolerant.”   “When they see it can be delicious and a little more healthful, they’re really turned on,” Truman said. GLUTEN-FREE GROWTH   Gluten is everywhere. It is in baked goods, pasta and beer, as well as some unexpected items, such as McDonald’s french fries, lunch meat, lipstick and some medicines. Euromonitor International forecasts 2011 gluten-free sales of $1.31 billion in the United States and $2.67 billion worldwide. Sales have more than doubled since 2005 and are expected to hit $1.68 billion in the United States and $3.38 billion globally in 2015. “Consumers do feel some sort of reward when they eat gluten-free products. They don’t feel bloated. They don’t have belly aches. This usually encourages them to repeat the purchase,” said Ewa Hudson, Euromonitor International’s head of health and wellness research. Europe is ahead of the United States when it comes to celiac disease testing and awareness. Italy, for example, helps people with celiac disease pay for the additional cost of gluten-free foods. But big U.S. companies are jumping into the fray. General Mills Inc is a leader, having reformulated some Chex breakfast cereals, Betty Crocker cake and brownie mixes and Bisquick pancake mix to remove gluten. Anheuser Busch Inbev SA sells a gluten-free beer called Redbridge, which is sold in many mainstream supermarkets. P.F. Chang’s China Bistro Inc for years has had a gluten-free menu and Subway, the popular sandwich chain, is testing gluten-free bread and brownies in Texas and Oregon. Media mogul Oprah Winfrey and actress Gwyneth Paltrow have talked about avoiding gluten as part of detox diets, comments that prompted critics to dub gluten-free the diet du jour. Trend chasers who have no medical reason to be on a gluten-free diet account for more than half of the daily consumption of gluten-free products, said Alessio Fasano, medical director at the University of Maryland Center for Celiac Research. Top-notch professional athletes are the only other people who get some measurable benefit from cutting out gluten without a doctor’s orders, he said. Eliminating dietary gluten appears to free up energy that otherwise would be used to break down the tough-to-digest protein, said Fasano, who joked that athletes use the diet as a “legal performance enhancer.”   Still, he does not mind that fads are boosting sales. “If anything, it’s good for the market” because the extra customers should help improve quality and lower cost, he said. Interest from big retailers such as Wal-Mart Stores Inc also should help bring down gluten-free product prices, which run 2 percent to 3 percent higher than similar items containing gluten, said Alice Bast, founder of the National Foundation for Celiac Awareness. Consumers have been preoccupied with food sensitivity for some time (remember lactose intolerance?) and there is growing interest in foods that support digestive and overall health, said Tamara Barnett, ethnographic research manager at the Hartman Group, a research and consulting firm. Gluten-free products overlap those trends, she said. Better-tasting products also help. “They went from being sawdust to being really good,” said “Living Gluten-Free for Dummies” author Danna Korn. Shauna James Ahern was diagnosed with celiac disease in 2005 and recommends focusing on readily available and naturally gluten-free foods such as fruit, vegetables, dairy and meat. The cookbook author and “Gluten-Free Girl” blogger, says the category has staying power and suspects she knows why people who do not have a medical reason for going gluten-free feel better when they do. “They’re eating whole foods for the first time in their lives,” she says. Claim: A gluten-free for all drives product sales.
[A]:
Los Angeles voice actor Nancy Truman landed a new role as a full-time gluten-free baker after she tweaked her recipes to replace the wheat that was making her feel miserable.