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Health Care Premiums increase in ACA in 2016

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It's interesting to me that this analysis of why rates are going up does not include the fact that many people had put off or delayed care until it became an emergency when uninsured or underinsured. I suspect part of what is happening is not actually that insurance companies "know what the risk pool looks like" as much as people are playing catch up on things they've neglected due to lack of coverage.

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