I'm not ignoring the larger pool, I'm telling you that the larger pool is a higher risk and it will increase premiums. I still don't understand why people think that there is no competition. Do you think that by passing this bill that somehow there is going to be massive amounts of new Insurnace Companies that will be created? There are already 5 major companies that dominate the industry, I don't know about you but to me thats a considerable amount of competition.
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