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<<Lol... I'm about as cynical as anyone regarding the industry. It is way off topic to discuss this any further and pretty clear that I'm not a defender of the current system, or at least it should be. >>

Your opinions are always respected. As a health insurance buyer myself, I know the cost is too high. And I believe the problem rooted in healthcare providers (how eager the dentists wanted to do annual X-ray despite my fear of possible harm and how enthusiastic they are in suggesting doing something to my teeth to take advantage of expiring benefit at year end).
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