This is correct but incomplete in my opinion. Part of the problem is that what we call 'health insurance' in the US is NOT insurance, it's bundles of health care services. Much of the economic value of these services is realized by healthy, not sick, individuals.
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The issue most forget is any facility that accepts state or federal plans must treat the uninsured. When a carrier negotiates with a provider reimbursements 40% of the cost is the uninsured. Health insurance biggest obstacle is those unaware proposing changes.
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