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One weakness in your hypothesis is that not all health insurance costs are genetically predicted. I could have outstanding genes, but if a drunk driver crashes into my car, I'm screwed. That's one reason I carry health insurance. There will be some people in the mythical 80% that might try to drop their insurance, but I predict the majority would remain in plans - particularly if they were considered to be their own class by insurance companies.
The_Jazz - I think that your point about universal coverage is a great conjecture.
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Cogito ergo spud -- I think, therefore I yam
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