Not cogent? Uninformed perhaps.
Nope, it's insurance, the prices are just standardized to create a risk pool, reducing the impact of adverse selection and various other biases
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Is it a one-price-fits-all coverage? Thanks for responding, btw.
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You can choose different tiers of coverage, and it differs from company to company, but they have to provide certain services as a base (i.e. hospital cover) For example, most plans don't include vision correction surgery, but some more expensive ones do
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