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Premiums go up. Deductibles go up. Coverage somehow goes… down. You’re paying hundreds every month just to be told an X-ray still costs hundreds after insurance. God forbid you need labs, imaging, or a surprise “out-of-network” doctor you never chose. It’s no wonder insurance companies make the process so confusing. The more hoops you jump through, the more people give up, delay care, or just eat the cost. And that’s the real business model. In 2026, being “insured” doesn’t mean protected—it mea
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