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Financing health care

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Explain the experiences the two people have had with their health care.
Describe how the individuals interact with their health care providers, employer and insurance companies to receive care (i.e., gatekeeping, employer incentives, personal health records, etc.).
How would you change the cost structure of insurance so people would get the best benefit from their insurance? Specifically, how would the cost of these changes be paid?
What feature of a health system from another country might help improve the US health care system?

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