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I guess the only way to avoid paying for someone elses health coverage is to not join an insurance pool but go it alone and pay cash but even then you can't avoid it. The last time I checked the local hospital charged cash payers more than twice as much as those who belonged to an insurance pool. Something to do with agreements and discounts given to insurance companies for being listed as an acceptable provider. I guess it is similar to what they do with people on Medicare or Medicaid.
Also I don't think there is a way to avoid paying for the uninsured since everyone's charges are jacked up to cover the ER costs.
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