It's unfortunate that insurance is still on the table. Health care reform would mean removing insurance entirely from health care. Costs go up simply because insurance companies dangled the bait of their wealth in front of pharmaceutical companies, medical equipment manufacturers, and hospital administrators.
Those companies jacked up their prices to favor the need for insurance. Insurance companies in-turn convinced the public that their drugs, wheel chairs and oxygen tanks cost so much "because that's just the way it is. Live with it or die without it."
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