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Isn't the point of insurance to mitigate risk over a large group? You yourself have said large group plans are cheaper because the risk is averaged over everyone. So why not put anyone that wants on the same group plan?
Also wouldn't eliminating insurance remove a middle man in the health care process there bye reducing the cost of health care? I think what really scares the insurance agency is that they are a middleman and if the government were to assume all risk by being a single payer there would be no need for the health insurance industry. In a single payer system what role do insurance companies play?
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