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Ah yes, more fragmentation. Surely that will lower the complexity and administrative burden, thereby leading to reduced costs!

The reason healthcare in the US is expensive is very simple: too many cooks in the kitchen. Private insurance simply should not exist. The undeniable reality is that the only way to achieve maximum efficiency is top-down administration.

I understand that that makes libertarians uncomfortable. But what we all have to acknowledge is what we have is not working. Other countries have worked it out. There's no reason to reinvent the wheel here.