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Because it is high, what they have to cover exceed what is a lot of people need in terms of health insurance. if you are junger or healthier, you are like i don't go to the doctor that often. why am i spending health insurance they don't use? >> is it that simple that if they lowered the standard and allowed a basic didn't force some of the bare bones mandatory coverage that the law forces, if they let that go, would you see more competition and would it be that simple? >> it wouldn't be that simple. the main goal would be to make the plans better. the plans being solved, they had huge gaps in...