Healthcare co-ops are having a hard time competing with big insurance companies. - 

This final note today, courtesy of the Associated Press. The AP got its hands on an application for benefits under the health care law. A draft application, we should say. It's 15 pages long, could take anywhere form 30 to 45 minutes to fill out.

It was characterized as a "daunting" process in some of the reporting we read today.

So we went out and did an unofficial poll: Do you think it's worth it? 45 minutes in exchange for health care benefits?

Tell us what you think in the comments below, or tweeting us @MarketplaceAPM. And listen to the audio above to hear other responses.

Follow Kai Ryssdal at @kairyssdal