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We have plenty of national insurance programs, including for both of those... but they're not both free and universal.

https://en.wikipedia.org/wiki/National_Flood_Insurance_Progr...

https://en.wikipedia.org/wiki/Medicare_(United_States)

https://en.wikipedia.org/wiki/Medicaid




I mean capital-N-capital-I, which is a specific thing in the UK.

It's a free as anything gets (in that it's kinda hard to distinguish from a tax), and universal (or was when I moved out of the UK): https://en.wikipedia.org/wiki/National_Insurance




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