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A while ago a poster asked this question: What do we need the insurance companies for anyway? Other than being some financial middleman what good are they? We have Medicare. How about we expand Medicare to all Americans and simply do away with all that insurance dead weight drag on the United States?
What you have written is what really needs to happen in this reform.
Haven't big insurance had eons to do the right thing...they have chosen to kill Americans legally, and discriminate against us in the worst ways, at the worst times in our lives. Enough.