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{{I am pretty sure I get to pay more when I get a year older each year to subsidize behavior like yours.}}

This was a university. To get the $0 copay and $0 deductible, we had to use the university clinic. I doubt that it affected your insurance payments at all.

I use that anecdote just as an example of how some people will use health care if there is no copay or deductible.
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