If health care spending is $10,000 per person a year, the annual health insurance outlay between insurance premiums, deductibles, co-pays, co-insurance and other out-of-pocket costs must exceed $10,000. That is a reality. https://www.bloomberg.com/view/articles/2017-10-09/trump-s-gamble-on-health-care-costs. As mentioned in A Health Insurance Roadmap, addressing costs should be a main topic of conversation.
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