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Good commentary. I agree that the incentives still need to be adjusted. Still, it will be interesting to see what savings do come out of this plan. Having universal coverage should reduce emergency room visits and unpaid bills. Eventually this savings should trickle down to the patients (in an ideal world). The magnitude of savings will not be immediately obvious, but desperately needs to be quantified. No one is going to get this right on the first shot - how kind of the taxpayers in MA (and soon here in CO?) to give us some real data to use to inform future reform plans.

It nullifies the usual argument that only through universal health insurance will the costs go down. In reality, Massachusetts has demonstrated just the opposite. Instead of providing affordable options, the insurance providers for that state see a blank check. The Romney plan does not provide any accountability on the part of insurers once they receive their easy premium/tax money.

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