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Well, herein lies part of the problem: there is much finger-pointing among insurance carriers, hospitals, and Medicare. Seems like everyone is asked to bend - except doctors.

To me, doctors have always been the X-factor. As a seller of medical malpractice insurance, I know the rates used to be high because of the threat of lawsuit. But, since that was capped here, the market is much more competitive and healthy.

Obamacare was a ridiculous waste of time and money. What needs to occur, in my opinion, is:

(1) there must be national tort reform to drive down overhead costs for doctors, and

(2) there must be a tax incentive for individuals and families to purchase their own insurance.

Without these two elements, time and money is wasted.

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