Folks trying to plan their personal fiscal '15 are at a loss. They can't do a budget because they don't know what their health insurance costs will be.

Reince has produced a fully funded, superbly staffed and technologically advanced strategy to position the GOP to win in '14 and '16, and he has done so via an inclusive outreach to all branches of the party while staying out of the bunker and in the MSM on a 24/7 basis. The Republicans cannot ask for more from the RNC than they have gotten and the political battlefield is as well prepared as it has been since 2004 as a result.

The former secretary of State is the nominee. She is also the Willie Sutton of classified data. And there is going to be a long-term effort of Republicans, whether it's Donald Trump, Marco Rubio, or Ted Cruz, to paint her into the corner.

Donald Trump actually won a lot of people. We've got to give the president-elect his due. He was a tractor beam for the disappointed. He said to the people who were disappointed with the president on Obamacare, "Come to me." He said to the people who were disappointed with trade, "Come to me." He said to the people who were disappointed with the Supreme Court, "Come to me." And he did run a campaign of bringing in the disappointed. And to the people who may be disappointed with their own lives and where they are. And they have a person to speak for them.

I will say one thing has changed dramatically which is this Supreme Court vacancy, and it will reshape the race on my side, because I'd rather lose an election than lose the Supreme Court.

I believe Marco Rubio is going to win Florida, I think Ted Cruz is going to win his Alamo in Texas. I think old rules apply. John Kasich's going to win Ohio as well.

Most are expecting 5 percent to 10 percent hikes, but there are rumblings of far nastier surprises.