You are wrong about insurance companies.........in the not too distant future they will insist you go overseas...........many hospitals in India are now associated with american hospitals.......they are basically clinics for our hospitals.
You're like the people who insisted automobiles could never replace the horse.
The government and the insurance companies will outsource your health care if it lines their pockets.
Efficient spending is a great concept............LOL...........so is a savings plan...........the american public and government are lousy at efficient spending and the idea of a savings account is in the museums.
That's how it is dude.
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