Most of us notice the insurance companies because that is the point of our financial contact. While most of the conversation is around competition of insurance companies, how does this hold down the cost. Insurance companies for the most part have a 3% profit margin. There are not a lot of dollars to squeeze out of 3%. Insurance rates reflect the actual cost of health care. There is nothing in these bills to actually lower the cost of health care services. If we are looking to place pressure in the insurance companies to lower cost that will come in the form of lessening the services that our insurance provides. This is not the health care reform we need.
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