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How much of this is explained by increasing health insurance rates if your company has an older age pool?

This along with privacy, backroom fixed market pricing, making it harder to change jobs and making it harder to start a business, is a big reason to remove healthcare from employment.

Employment should provide salary only. People need to get their own insurance for health, home, fire, life etc. Keep your employers out of your personal dealings.

Then US hospitals should provide free healthcare for all and not insist on getting insurance details before providing actual health care. Glad you see the whole picture and embrace SOCIAList ideals like the rest of the planet.

My thinking exactly, and you can easily make that entire line of thinking moot by contracting.

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