Sometimes you can't get something for free. Very often there is a cost.
And while I'm all in favor of individual responsibility, I also think that
you have to play fair. Why should I get such favorable rates for health
insurance (because I work or worked for a company (university) that was
generous with benefits), while someone who is freelancing can't get
affordable insurance (certainly not if there could be a pre-existing
condition)? Is he/she really so much of a greater risk?

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Best regards
Han
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