The recent passage of "healthcare reform" offers opportunity for healthy people to save money on insurance coverage. Since insurnace companies can no longer refuse coverage on pre-existing illness, it makes no sense to pay premiums if one is healthy. So healthy people should drop coverage and pay the relatively cheap penalty. But when the healthy become sick then just sign up for coverage and get all that is due you without caps. I don't know how long this will last. Because the the rate paying sick will eventually bankrupt the system.
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