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Health Insurers have very skillfully convinced all of us that if you have health insurance, your health is ENSURED! Why else would they erect those billboards picturing a smiling lady on a bicycle at a fruit stand (or a smiling retired couple strolling hand-in-hand, or a smiling young mother gazing at her newborn...)

Your $7K/year in family premiums is buying a fantasy lifestyle--"if you carry OUR policy, this wonderful life can be yours!" No fine print, no referrals, no third-tier drug lists to clutter up the vision. Yeah, right....

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