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I don't think consumers budgeting can realistically be the control on the growth of healthcare costs. For one thing, people's budgets vary too wildly.

Healthcare should simply be "free", ie budgeted into the operation of a modern society, like infrastructure costs and education.




Oh, I completely agree with this. In the meantime, the HDHP and acknowledging that, yes, you are paying for your healthcare is the best option.




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