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My guess - One simple way Insurance will split is into two kinds of plans - Basic and Catastrophic healthcare plans. Basic healthcare plans will place lot more emphasis on healthy living rather than medicine for illness. Costs will also be lower.

Catastrophic plans will probably cover only more serious illnesses. This way the thought that somebodyelse is paying for your expensive treatments will go away since everyone will have basic coverage inexpensively and the more serious plans will split costs among similarly sick people and also more expensive.

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