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this year they reduced coverage to 90%, 10% copay.

You are fortunate.

To keep our premiums pretty level, we lose some benefit every year. COuple years ago we lost any subsidy for physicals for those over 12. And we went from 100:0 to 90:10 to 80:20. We may fall below some minimum required benefits at some point. Even insured folks could use a national option.
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