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I'm not talking about expensive treatments that cost $10 million, I talking about insurance premiums that cost $5000 per month. Hardly anyone costs an insurance company $10 million in their lifetime.
I hate to say this but I think eventually the government will take over healthcare in some form. If insurance companies were non profits, healthcare would cost many multiples less than it does. The same treatments and medicines cost many many multiples less in other countries than it does in the US and it doesn't have to.
But having to pay for a few people costing $10M ends up costing you $5k per month. Somebody has to pay for it. Insurance companies just average the cost across their policy holders and add less than 20%. I don't think there is any one cost culprit.
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