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@QasimRashid I am having to ditch the HMO insurance I bought on the exchange because it covers nothing, everything is denied, and I am giving them a huge chunk of money every month for what? It literally makes better fiscal sense for us to buy more of a major medical type plan to *potentially* keep us from bankruptcy should one of us get really sick, and self fund the rest.

Nothing is adequate, everything sucks, it's all too expensive, and there is no such thing as healthcare in America.