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There are many reasons why health insurance costs so much, but one of the main reasons is that those people that "choose" to not afford health insurance use the emergency room for situations where a doctors appointment would be ok.
They just know that they can get free medicine by going to the ER instead of having to pay for it at the drug store. The cost is passed on to me.
The main reason is an over litigious society, but thats a different story.
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