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Or just cut the insurance companies out all together, put the funds into an account to provide healthcare for those in need, and then demand the hospitals and pharmaceutical companies make their prices reasonable or we ignore their patents and allow other companies to make their drugs and sell at competitive prices. (The government making our own generic versions wouldn't hurt competitive pricing either).
So a single account out of which every medical expense is paid? That's a crazy idea. /s
should go into medicare/caid, right now the maximum income to be eligible on medicade in many states is pretty much very low.