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That's not even how private insurance worked before the mandates

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Yes it did... that is why costs varied so much from state to state .

Rates and cost may vary, from state to state, but rising costs across the country have been the norm for decades, driven by market forces mainly profit margins and changing conditions.

I already showed that profit margins for insurance are weak . Rates vary between states because mandated coverage varied from state to state. What that did was create cartels... which is NOT a capitalists solution. The correct course was to allow competition and consumer choice over their coverage. Then to cover people without the resources ,your Medicare /Medicaid government solutions are appropriate.

There is no mandated coverage at this time, nor has here ever been.

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The correct course was to allow competition and consumer choice over their coverage. Then to cover people without the resources ,your Medicare /Medicaid government solutions are appropriate.

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I find this reasonable and can find no flaw in your logic at his time. But how does that apply to worker based insurance coverage where options are severely limited?