How eight states destroyed their individual insurance markets: "Since February of this year, "Health Care News" has featured a series of monthly case studies documenting how community rating and guaranteed issue mandates have destroyed the individual health insurance markets in eight states. These mandates are not merely poorly crafted laws: They represent fundamentally bankrupt ideas in what should be a voluntary, consumer-driven insurance marketplace."

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For greatest efficiency, lowest cost and maximum choice, ALL hospitals and health insurance schemes should be privately owned and run -- with government-paid vouchers for the very poor and minimal regulation.

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