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That addresses healthcare, but health insurance is just one slice of the insurance market.

I'm not aware of a general solution that covers all cases, but in auto insurance we found that the model of replacing underwriters with crowdfunded groups works.

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Here in BC only the province is allowed to provide primary car insurance. Our current provincial government is incredibly corrupt and incompetent, including with regards to the provincial insurer specifically, but I'll still take it over private insurers I've had to deal with before.

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