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Thanks Jeanne. Agree entirely. Employers choose health plan design for over z60% with employer sponsored health plans in self insured plans. Health care need not be free, but out of pocket costs should be comprehensible and should not lead patients to financial ruin

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For the self insured plans many of these “problems” are due to employer decisions. The healthplan is merely administering the provisions. The concept that all healthcare should be free needs to be changed as well

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