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Employer provided health care is the problem. This means your employer is the customer of the insurance company not you. This is why they can do the things they do because you cannot switch. We think of health care as a benefit when it should just be another service you purchase like groceries or rent from your regular salary. This is why there’s ten times the number of car insurance commercials despite health insurance costing ten times the money: there’s actual competition in that market. Force health insurance to compete for our services suddenly they’re going to have to invest in customer service.

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