I've thought that, if the government wanted to do the most good, they should simply level the "playing field" by requiring the health insurance companies to spread their coverage costs for any individual over their entire base, and not "cherry pick" by giving low rates to large companies at the expense of the small companies, self-employed, and unemployed who lack marketing clout. After all, the whole purpose of insurance of to spread incurred costs over the greatest base possible. The chance that any insured person will incur a covered cost really has nothing to do with the size of the company employing him.
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