"When you see what the medical expenses are, you'll know why medical insurance is needed."
No doubt...again: I object to mandates, not insurance itself.
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"if you have no insurance, you have no negotiation, and they stick it to you royally"
Not (always) true.
In my experience: insurance sometimes is the reason for charging 'more' and paying cash sometimes imposes a certain frugality on the part of treatment provider and receiver, both.
How the system is used and abused depends on the players involved and what each is willing to do as much, as the bureaucratic pathways.
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"you're a youngster!"
Then, you sir, must be old as dirt...
