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Most of the increase in costs have been increasing costs of hospitalization, phamaceuticals and lastly, high-tech equipment.
Healthcare insurers enjoy record profits from their HMO products. Our local HMO boasts 40% annual returns!
I'm not sure how to limit drug company profits without crippling innovation, A good first step would require health insurance benefits to be provided as a voucher. Allow employees to shop the entire market for value and service. Premiums will drop. Also, health insurers should have an "assigned risk" program for people with serious health problems. Affordable insurance is just as important for sick people as bad drivers.
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My work here is nearly finished.
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