Complaining won't change the existing situation, but offering options might help improve the details of the final law. If you like this proposal, share it! Get people looking at it... My background: back in the early 1980s I supervised the corporate benefits operations for a large (Fortune 20) corporation. There are benefits to having a large pool of people - enough  to reap the benefits of self insuring on a cost-plus contract fee basis the medical, dental and life insurance plans for over 65
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