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Just having a health bill doesn't mean that bill would help the growing problems of cost and more people losing insurance.
The plan you posit would lower costs to insurers but those savings wouldn't, by law, be passed on to the insured. It wouldn't lower cost of the people actually delivering care. The additional people that will be excluded by the insurers going to the states with the weakest laws to maximize profits will still show up at emergency rooms when their conditions grow too acute for remedial help.
In other words this would make a bad situation worse.
The Government provides fully half of all medical care presently. And, it's costs have risen less than the private sector which is more inefficient due to their need to make the largest possible profit from sickness and the fear of sickness. Also their costs of advertising and lobbying. A government option would obviously provide competition to an industry that has been exempted from that by law. Competition is what makes capitalism work for the benefit of society. Without competition you end up with the predatory practices to which we are currently subjected.
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