It isn’t hard to craft a balanced combination of changes that will fix the problem. I cooked up my own solution using the calculator on
Category: Observations on life
What do people do that drives you nuts, how do they behave that you find amusing?
Are you choosing the right health coverage plan? Probably not.
When making a selection among health plans people generally look first at premiums and then at the deductible. In the process they overestimate the likelihood
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