re: Just keep the damn thing and let it collapse

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what is your method of examining the details of your policies before you purchase them

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i was always able to read the coverage options in my policies before i purchased them

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and can you negotiate proposed changes in your policies?

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no, but i had many options to choose from before the ACA. now i have like 4 options from 1 insurer with policies containing things i don't need covered (like maternity and pregnancy). you REALLY don't want to make the "negotiation" argument to support the ACA (both in theory and practice)