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#202 Mar 20 2013 at 8:00 PM Rating: Excellent
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Smasharoo wrote:
Admittedly, there's a whole bunch of Democratic ideas that people far prefer over the Republican counterparts. Health care was just one of them

I thought it was free stuff for poors? That's Medicaid, right?

Also Obamaphones.
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#203 Mar 20 2013 at 8:04 PM Rating: Excellent
Smasharoo wrote:
Firstly - I just read the original post and WTH? Surely, surely .... the resources and time spent on the looney venture of NY Soda could have been spent on something worthwhile like ... healthcare, help for the homeless, better roads, hospitals, infrastructure.

Olympics...


If you refer to London 2012 - worthwhile, it had a feelgood factor for the country and has given us a little legacy. It also regenerated an entire area of London.

What will be the legacy of NY Soda Prohibition?
#204 Mar 20 2013 at 8:05 PM Rating: Good
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For one it wouldn't have cost anywhere near an Olympics.
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#205 Mar 20 2013 at 8:22 PM Rating: Good
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gbaji wrote:
Do you understand that before our government started mandating health coverage levels, and insurance, and medicare requirements into our health care market, everyone but the absolutely destitute could afford health care.
You've said this a million times, and been wrong a million times.

Unless, of course you can prove it.

Which you can't.
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#206 Mar 20 2013 at 8:36 PM Rating: Default
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Belkira wrote:
Insurance companies are there to make money. They are not going to go out of business as long as health care costs are so high.


Huh? Of course they can. The only reason they're not going out of business with health costs this high is because government mandates create guaranteed business for them. Flipped around, the reason health costs have been able to rise this high is because of the government mandates. If people had to pay for their health insurance directly out of their pockets today, health insurance would cost half as much as it does right now. Probably less than that.

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With a single payer system, you don't have that problem.


High prices? Of course you do. You just hide it in a huge government program is all. In the same way that health cost will rise when you hide the cost from consumers by making their employers pay for most or all of it behind the scenes, they will also rise when you further hide that cost from consumers by making it something funded by their tax dollars instead.

What drives prices up is when the consumer is not the one footing the bill out of his own pocket. He has no need to bargain for the best price, and the seller thus has no reason to keep prices low in order to get his business. If I wanted to double the cost of food, I'd institute a mandatory food insurance program in the US. This is not really an arguable aspect of the issue, it's fact that costs are higher because of this. Thus, mandating yet more requirements will not serve to make costs drop, but will increase them even more.

Similarly, single payer will not do so either. There will be even less demand to keep prices low under such a system. Well, until funds are strained that is, but then cost savings will not come in the form of lower prices for care, but less care. There is nothing better at keeping prices low than free market competition. How on earth can someone think that by making the market less free, we can somehow decrease costs?
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#207 Mar 20 2013 at 8:39 PM Rating: Default
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Friar Bijou wrote:


gbaji wrote:
Do you understand that before our government started mandating health coverage levels, and insurance, and medicare requirements into our health care market, everyone but the absolutely destitute could afford health care.
You've said this a million times, and been wrong a million times.

Unless, of course you can prove it.

Which you can't.


Huh? Talk to anyone who was an adult in the 50s and 60s. Ask them about health care costs and about health insurance costs. Basically, everyone could afford basic health care. You paid as you went and it was relatively inexpensive. Insurance covered major medical costs (hospitalizations and operations and whatnot). It was also relatively inexpensive because it only covered rare and expensive things. It's like you're asking me to prove that people managed to live prior to television, when quite obviously they did.
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#208 Mar 20 2013 at 8:48 PM Rating: Excellent
I didn't mean you wouldn't have high health care prices, I have no idea what sort of prices you would have. I meant you won'5 have for-profit companies denying coverage to people who need it the most.

My post was badly worded again, sorry. I blame the small screen on my phone.

Edited, Mar 20th 2013 9:50pm by Belkira
#209 Mar 20 2013 at 8:52 PM Rating: Default
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someproteinguy wrote:
The biggest problem I see is that Americans are willing to pay obscene amounts of money on end of life care. Extending life by a year or two at a cost that may well exceed what the spend the rest of their life. I fear it's simply an underlying cultural thing, we're not very cost-conscious on medical decisions and we don't do a good job of shopping around or comparing treatment options or costs. We have the ability to treat, why would we turn it down? It's not going to matter what kind of health system we have, as long as we cling to life we're going to be paying for it either way. Just a cultural thing I guess.


Honestly though, that's because of government funded stuff as well (medicare specifically). It's funny, but medicare will continue to pay for a nearly infinite series of life extending treatments. You know what it wont cover (or not sufficiently)? Hospice. Oh. It'll pay for the nurse care and medicines, but not for the room and other related care (which is by far the larger cost). So you are literally better off spending hundreds of thousands of government dollars on procedure after procedure and long expensive hospital stays than saying "F-it" and just taking some pain meds while you wait to die.

If people were limited in terms of total costs rather than type of treatments covered, they'd make very different choices.

Quote:
I don't know if I'll have the guts to just to go before I run up a giant bill, but I hope I do when the time comes.


You likely wont have much choice. Not unless you actually commit suicide or something. Cause you don't get to spend your money the way you want, but the government takes your money and then tells you how it can be spent. So there's your freedom issue right there.
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#210 Mar 20 2013 at 8:54 PM Rating: Excellent
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gbaji wrote:
Honestly though,
Would be a nice change of pace.
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#211 Mar 20 2013 at 9:10 PM Rating: Default
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Belkira wrote:
I didn't mean you wouldn't have high health care prices, I have no idea what sort of prices you would have. I meant you won'5 have for-profit companies denying coverage to people who need it the most.


No. You'll have the government doing it instead. The difference is that the for profit organizations do what they need to do to earn a profit. So if people pay them money for insurance, they kinda have to deliver on what they promised, or they don't make money. Once the government has your money, it can change the terms and conditions of what you get however it wants, and you really don't have much say in it.

The problem with government run health care is the same basic problem of pension type systems. They are not investment driven, but rely utterly on current funding to pay for current costs. So you pay for 50+ years of your working life for those people who were receiving care while you were working. But when you need the care, that's being paid for by the current crop of taxpayers. Taxpayers who may find it in their best interest to cut the care you receive in order to reduce the costs coming out of their pockets. And when you're in that condition, you'll be in the minority and more or less at the whim of the younger majority.

You have zero recourse in that situation. You get whatever care the government says you get. With a privately funded system, you pay into your own health care, either via some kind of account, or insurance (or both). Since you've got a contract with the insurance provider, they're required to provide you the coverage agreed upon in the contract. And if they fail to uphold that contract, you can turn to the government and courts to force them to. Also, you get to decide what care and treatment you want based on what you can afford and what you want to spend money on. If you've invested your own money into your own account, and you choose not to spend it, you can hand it to your children and grandchildren instead. You can't do that with money you paid into medicare, so you have no reason to even think in terms of cost. I'll point out that you do *not* have a contract with the government. It can change the terms anytime it wants to and you're just out all the money you've paid into the system all your life. Also you have no real power to choose what is provided and what isn't, and there's no cost savings to you if you chose a less expensive alternative. And there's nowhere to go if the government makes that decision, cause you know, it's the government. So it's basically worse all the way around.


My issue is that actual health costs *will* rise over time absent competitive forces keeping them low. This is not a guess or speculation, it's a market fact. It can't not increase relatively speaking over time. At some point, those costs will rise to the point of unsustainability. At that point, the cost per "unit" of heath care wont or cant go down, so what must give is the quantity or quality of care. Which means that you wont get what you will feel you've paid for. It's not a matter of "if", but a matter of "when". And I suppose who happens to be in the generation that gets screwed by this.



Edited, Mar 20th 2013 8:14pm by gbaji
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#212 Mar 20 2013 at 9:20 PM Rating: Good
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gbaji wrote:
someproteinguy wrote:
The biggest problem I see is that Americans are willing to pay obscene amounts of money on end of life care. Extending life by a year or two at a cost that may well exceed what the spend the rest of their life. I fear it's simply an underlying cultural thing, we're not very cost-conscious on medical decisions and we don't do a good job of shopping around or comparing treatment options or costs. We have the ability to treat, why would we turn it down? It's not going to matter what kind of health system we have, as long as we cling to life we're going to be paying for it either way. Just a cultural thing I guess.


Honestly though, that's because of government funded stuff as well (medicare specifically). It's funny, but medicare will continue to pay for a nearly infinite series of life extending treatments. You know what it wont cover (or not sufficiently)? Hospice. Oh. It'll pay for the nurse care and medicines, but not for the room and other related care (which is by far the larger cost). So you are literally better off spending hundreds of thousands of government dollars on procedure after procedure and long expensive hospital stays than saying "F-it" and just taking some pain meds while you wait to die.

If people were limited in terms of total costs rather than type of treatments covered, they'd make very different choices.

Quote:
I don't know if I'll have the guts to just to go before I run up a giant bill, but I hope I do when the time comes.


You likely wont have much choice. Not unless you actually commit suicide or something. Cause you don't get to spend your money the way you want, but the government takes your money and then tells you how it can be spent. So there's your freedom issue right there.



The GoP calls those death panels when ever there is talk of limiting treatment after a certain point. Also you can refuse treatment at any time and ask to be made comfortable. Hospice will come to your home or loved ones home.

Edited, Mar 20th 2013 11:21pm by RavennofTitan
#213 Mar 20 2013 at 9:29 PM Rating: Excellent
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gbaji wrote:
You likely wont have much choice. Not unless you actually commit suicide or something.

Well, at least Oregon gives me the freedom to do that if I so choose. Smiley: lol


Edited, Mar 20th 2013 8:30pm by someproteinguy
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#214 Mar 20 2013 at 10:55 PM Rating: Good
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someproteinguy wrote:
The biggest problem I see is that Americans are willing to pay obscene amounts of money on end of life care. Extending life by a year or two at a cost that may well exceed what the spend the rest of their life. I fear it's simply an underlying cultural thing, we're not very cost-conscious on medical decisions and we don't do a good job of shopping around or comparing treatment options or costs. We have the ability to treat, why would we turn it down? It's not going to matter what kind of health system we have, as long as we cling to life we're going to be paying for it either way. Just a cultural thing I guess.

I don't know if I'll have the guts to just to go before I run up a giant bill, but I hope I do when the time comes.
That's really not the biggest problem I see with your system. Studies show that, specifically when it comes to healthcare, every $1 spent on prevention saves $19 in trying to cure an illness that's gone too far. Your system wildly skews people away from receiving preventative, or early intervention care, except for the tiny minority of wealthy Americans. THAT is probably why your overall healthcare GDP costs twice as much as any other OECD nation, for the same or worse results.
#215 Mar 21 2013 at 7:53 AM Rating: Good
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Your system wildly skews people away from receiving preventative, or early intervention care, except for the tiny minority of wealthy Americans. THAT is probably why your overall healthcare GDP costs twice as much as any other OECD nation, for the same or worse results.

No, it's mostly end of life care. There have been hundreds of studies, we don't need to guess.
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#216 Mar 21 2013 at 8:03 AM Rating: Excellent
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I heard that when they hit 70, elderly Brits just walk into the North Sea, so as to not be a burden on anyone.
#217 Mar 21 2013 at 8:10 AM Rating: Excellent
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I heard instead of Taps, they play Yakkity Sax at funerals.
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#218 Mar 21 2013 at 8:13 AM Rating: Good
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I heard that when they hit 70, elderly Brits just walk into the North Sea, so as to not be a burden on anyone.

Nah, that's just what happens to anyone who spends more than a day in Aberdeen.
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To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? Gay. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#219 Mar 21 2013 at 11:21 AM Rating: Default
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someproteinguy wrote:
gbaji wrote:
You likely wont have much choice. Not unless you actually commit suicide or something.

Well, at least Oregon gives me the freedom to do that if I so choose. Smiley: lol


Ironically, I was in Oregon last weekend, visiting my dad, who's in Hospice. 3 years or so of cancer treatments wasn't a problem financially because that's all nearly 100% paid for. Medicare pays for pain medications and someone to administer them, but not for any of the other costs related to caring for someone who can't get out of bed by himself. Know what else doesn't pay for Hospice care? VA benefits. Well, they do, but the application process is typically longer than the time you've got left, and they don't reimburse.

Course, my dad's an ornery cuss, and 90 days (is that just like a stock estimate?) will probably end out being more like a year. But then the benefits will still only pay about 1/3rd of the cost per month, so that's not necessarily a good thing.


Oh. Just wanted to say: Portland is a dump. Salem is beautiful though.
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#220 Mar 21 2013 at 11:53 AM Rating: Decent
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Ironically, I was in Oregon last weekend, visiting my dad, who's in Hospice. 3 years or so of cancer treatments wasn't a problem financially because that's all nearly 100% paid for. Medicare pays for pain medications and someone to administer them, but not for any of the other costs related to caring for someone who can't get out of bed by himself. Know what else doesn't pay for Hospice care? VA benefits. Well, they do, but the application process is typically longer than the time you've got left, and they don't reimburse.


Sorry about your father (I assume, unless you want him dead).
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Disclaimer:

To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? Gay. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#221 Mar 21 2013 at 12:44 PM Rating: Decent
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Smasharoo wrote:
Ironically, I was in Oregon last weekend, visiting my dad, who's in Hospice. 3 years or so of cancer treatments wasn't a problem financially because that's all nearly 100% paid for. Medicare pays for pain medications and someone to administer them, but not for any of the other costs related to caring for someone who can't get out of bed by himself. Know what else doesn't pay for Hospice care? VA benefits. Well, they do, but the application process is typically longer than the time you've got left, and they don't reimburse.


Sorry about your father (I assume, unless you want him dead).


Thanks. No, I reconciled with him years ago. He was always a tough parent, and that's difficult to deal with as a child, but you actually kinda appreciate it as you get older. What responsibility I do possess, and my work ethic, I largely got from him. Poor housekeeping and eternally being 15 minutes late I got from my mom (but I'm working on that. Really!).

It's an interesting experience because he's relating stories about himself and his life that he never told us before. Like the time his ship (LSD Comstock) hit a buoy while he was in the rear steering compartment. The buoy got caught in the propeller and broke some things, causing said compartment to start flooding. The other two guys in there disappeared, but he was told to stay at his post. Which he did until told he could leave, at which point the water was up to his neck. Apparently, the commander and captain were relieved for that incident. He also got to witness the one and only nuclear depth charge test. And I found an old newspaper clipping from his (apparently tiny and news short) hometown about him being on one of the ships involved in some big amphibious landing exercise which would be filmed for footage in the exciting up and coming film "South Pacific".

The only time he got emotional was when talking about a friend of his from the war (not sure how they met, but they were into power boats here in town later on), named Frank something, who'd been at Chosin and later became Sergent Major of the Marine Corps (at least according to him, but he could have gotten that wrong). Lots of information and we're trying to get as much as we can. That side of my family is not as well known as my mom's side, mostly because they all live in Missouri or thereabouts, so any information is good.
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#222 Mar 21 2013 at 1:02 PM Rating: Good
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gbaji wrote:
Huh? Talk to anyone who was an adult in the 50s and 60s. Ask them about health care costs and about health insurance costs. Basically, everyone could afford basic health care. You paid as you went and it was relatively inexpensive. Insurance covered major medical costs (hospitalizations and operations and whatnot). It was also relatively inexpensive because it only covered rare and expensive things. It's like you're asking me to prove that people managed to live prior to television, when quite obviously they did.
Lol, of course crappy insurance that only covers things you probably won't need is cheap. I bet i could get really cheap tornado, or earthquake insurance here in NJ too.
#223 Mar 21 2013 at 1:21 PM Rating: Excellent
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Rachel9 wrote:
gbaji wrote:
Huh? Talk to anyone who was an adult in the 50s and 60s. Ask them about health care costs and about health insurance costs. Basically, everyone could afford basic health care. You paid as you went and it was relatively inexpensive. Insurance covered major medical costs (hospitalizations and operations and whatnot). It was also relatively inexpensive because it only covered rare and expensive things. It's like you're asking me to prove that people managed to live prior to television, when quite obviously they did.
Lol, of course crappy insurance that only covers things you probably won't need is cheap. I bet i could get really cheap tornado, or earthquake insurance here in NJ too.
gjabi is stuck in a leave it to beaver episode.

Health care in the 50's and 60 and especially back in the day of 'house calls' is irrelevant. This is a different time. Life expectancy had increased since the 40's (it's plateauing now). Diseases and medical technologies have changed considerably. Also, house calls are a very inefficient way to distribute health care. Considering the advances in transportation, they were on the way out - with our without government intervention.

Regardless of all that, health care in the 50's and 60's was nothing to brag about for most.

My dad broke his arm as a boy in the 40's. They were a farm family and couldn't afford much in the way of health care nor even quick transport to a hospital. He eventually got the arm set, but it had already started healing improperly. It's been a bit weird all his life. His little sister died of the flu. Both my parents ended up with false teeth in their twenties because of no access to dental care.

So yeah, you used to be able to trade a goat for a self-taught doc to pull an aching tooth, but this is a very very different time gbaji.


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#224 Mar 21 2013 at 1:43 PM Rating: Default
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Rachel9 wrote:
gbaji wrote:
Huh? Talk to anyone who was an adult in the 50s and 60s. Ask them about health care costs and about health insurance costs. Basically, everyone could afford basic health care. You paid as you went and it was relatively inexpensive. Insurance covered major medical costs (hospitalizations and operations and whatnot). It was also relatively inexpensive because it only covered rare and expensive things. It's like you're asking me to prove that people managed to live prior to television, when quite obviously they did.
Lol, of course crappy insurance that only covers things you probably won't need is cheap. I bet i could get really cheap tornado, or earthquake insurance here in NJ too.


That's what insurance is all about though. Covering things that you will probably not need, but that if you do would be too expensive to deal with out of your own pocket. If you are covering things that happen all the time, you should not be using insurance to pay for it because all you're doing is making it more expensive. If you stop and think about how insurance works, you'll see that I'm right.

Comprehensive health insurance is inherently foolish.
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#225 Mar 21 2013 at 1:48 PM Rating: Default
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Elinda wrote:
Regardless of all that, health care in the 50's and 60's was nothing to brag about for most.


But that's about advancements in medicine, which has very little to do with how we pay for it. We managed to have significant advances in medical treatment over the first half of the 20th century, all prior to the passage of medicare (early 60s), much less the HMO act (mid 70s). There's no reason to assume that the health "care" would suffer if we used a direct pay method (and some argument that it might improve faster). What would change would be how much it would cost.

Quote:
My dad broke his arm as a boy in the 40's. They were a farm family and couldn't afford much in the way of health care nor even quick transport to a hospital. He eventually got the arm set, but it had already started healing improperly. It's been a bit weird all his life. His little sister died of the flu. Both my parents ended up with false teeth in their twenties because of no access to dental care.


Which is exactly what would happen today if you didn't take someone to a doctor to get their arm set. The difference is that the cost to get a broken arm set today is much higher relatively speaking than it was in the 40s. So we're worse off in that regard.
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#226 Mar 21 2013 at 2:03 PM Rating: Decent
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gbaji wrote:
Rachel9 wrote:
gbaji wrote:
Huh? Talk to anyone who was an adult in the 50s and 60s. Ask them about health care costs and about health insurance costs. Basically, everyone could afford basic health care. You paid as you went and it was relatively inexpensive. Insurance covered major medical costs (hospitalizations and operations and whatnot). It was also relatively inexpensive because it only covered rare and expensive things. It's like you're asking me to prove that people managed to live prior to television, when quite obviously they did.
Lol, of course crappy insurance that only covers things you probably won't need is cheap. I bet i could get really cheap tornado, or earthquake insurance here in NJ too.


That's what insurance is all about though. Covering things that you will probably not need, but that if you do would be too expensive to deal with out of your own pocket. If you are covering things that happen all the time, you should not be using insurance to pay for it because all you're doing is making it more expensive. If you stop and think about how insurance works, you'll see that I'm right.

Comprehensive health insurance is inherently foolish.
Okay, well while you're paying $500 for a prescription, i'll pay my $2 copay.

I'm pretty sure my family's total health care costs would be 2x higher than our total income if not for insurance. Instead it's like <1%. That sucks that you don't have good health insurance though. I wish everyone did!
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