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"Medical insurance" in the US mostly doesn't meet either of those criteria.

And we'll have problems with it until it does.

I believe many people do have options already. When I go to bluecrossca website and ask for medical insurace for 2 people at age 50, you get 16 insurance quotes ranging from $269/month to $1103/month.

At $269/month, there is a $2500/member deductable, $5000/member max out of pocket/year. Rx not covered.

Would this medical insurance meet your stated criteria?

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