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SOME people have no idea how health insurance works. Having dealt with Kathleen Sebelius for years when she was insurance commissioner for the state of Kansas I can tell you she was a tough as they come on mandates and rating. She literally drove health insurance companies out of the state by making it literally unprofitable to operate there. Why else do you think Obama chose her. They will do the same thing on a federal level until only one plan remains.......that is a public "non-optional" plan that will escalate costs and the related taxes to fund those costs all the while lowering standards of care. Check out the recent revelations on what Medicare pays versus what private insurors pay all as a result of bumbling bureaucrats running the show rather than health care professionals.