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Admittedly not having read through the entire thread, has anyone addressed the sensitivity to risk that causes insurance companies to raise premeiums on certain types of medical practice? Since insurers are free to deny coverage to high risk patients, how does that square with Ustwo's concern that we are not taking advantadge of market forces? It seems to me that if insurance companies were forced to diversify risk instead of exploiting it, that would enable these OB-GYNs and Neurosurgeons to have other, less vulnerable practitioners subsidize their insurance premeiums, much like the young subsidize the old.
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