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Even if you have health insurance, it might be cheaper to pretend to be uninsured and pay cash instead.
This article points out the one fact that might actually be a benefit of Obamacare: The law is so screwed up that it is forcing many people out of their health insurance, where they might discover that by negotiating directly with doctors and hospitals. And that negotiation, more than any thing else — including every regulatory scheme proposed by any politician from the left or the right — will really lower the cost for healthcare.